How to submit a
Letter of Authority

Anyone who is regulated by the UK FCA can use the service.  To find out more about the ULoA Service please visit Origo Unipass Letter of Authority.

Applying for a Unipass Letter of Authority is free for advisers to use and easy to sign up for.  You must be a UK FCA regulated organisation and you must have a valid Unipass Identity:

• If you don’t have a Unipass Identity yet, you can apply for one, for free. All you need is your FCA Firm Reference Number (FRN) & at least 2 valid Agency numbers with UK Providers.
• If your firm is already registered for ULoA, you can start submitting LoAs straight away.
• If you are new to ULoA and want to register your organisation for free. Once your firm has registered, you will be able to submit LoA requests immediately.

Yes.

Yes. To apply for a Unipass Identity all you need is your FCA Firm Reference Number (FRN) & at least two valid Agency numbers with UK Providers.  You can apply for a Unipass here.

Yes. Networks can use the ULoA service on their own behalf in the same way as a Directly Authorised firm can, also, if as a Network you process LoAs on behalf of your Appointed Reps (AR).  However, please note to do so you must include information as part of the request.

Your Network must clearly state that the Network is not the Servicing Agent when prompted.

In the ‘Provider Notes’ section the Network must:

• Include the full details of the AR the Network is acting on behalf of, e.g. Firm Name, Adviser Name, & the URL from the FCA database which shows the AR’s details and subsequent Principal Firm relationships.
• Select ‘No’ for ‘I’m the Servicing Agent’ and then in the ‘Servicing Agent name’ input box you will need to add the Principal Firm and Appointed Representative in the following format ‘Principal [Firm A] on behalf of Appointed Rep [Firm B]’.
• The physical Letter of Authority document signed by the customer and uploaded to the ULOA case should reference both the Principal Firm and the Appointed Representative firm that the customer is authorising to act on their behalf.

For example:

Please provide [Appointed Representative Firm Name], an Appointed Representative of [Principal Firm Name], with information only in respect of the policy referenced within this request, including any other policies I may hold with you.

No. ULoA is only available to organisations who are regulated by the UK Financial Conduct Authority (FCA).

Yes; but only for individual member Letters of Authority. ULoA cannot be used for scheme-level information requests.

No. If you are a UK-based FCA-regulated adviser, ULoA is the sole channel for submitting Letters of Authority to Scottish Widows. Letters of Authority submitted by email will not be accepted.

Authorised users with a valid Unipass Identity, working for a firm registered for ULoA, can submit Letters of Authority on behalf of their firm.

Yes. You can track the status of your Letter of Authority submission through the ULoA service, providing visibility of progress from submission through to completion.

Yes. Status updates are available within ULoA, enabling you to monitor progress and identify when action has been taken by the provider.

Please ensure all client details are accurate before submitting your request. Incorrect or incomplete information may result in delays or rejection of the Letter of Authority.

We will provide a reason for the rejection. You can then correct any issues and submit a new request if required.

No. Existing servicing agent change processes remain unchanged.

If you need support with ULoA including registration, access, permissions, submissions or technical issues, please visit the Unipass LOA Support Centre.

The Support Centre contains guidance articles, FAQs, and options for raising a support request with the ULOA support team.