(1) If the requirements of paragraph (2) are met, the financial promotion restriction does not apply to any communication which is made by an employer to an employee in relation to work-related insurance.
(2) The requirements of this paragraph are that -
(a) where the provider of the insurance is not the employer, the employer has not received, and will not receive, any direct financial benefit as a result of making the communication; and
(b) in the case of a non-real time communication, the communication contains, or is accompanied by, a statement informing the employee of their right to seek advice from an authorised person or an appointed representative.
(3) In this article "work-related insurance" includes -
(a) life assurance;
(b) long term disability insurance (also known as permanent health insurance); and
(c) accidental death, injury, critical illness, medical, dental, income protection or travel insurance.