Determining whether or not you need advice
If you are not sure whether you need advice when choosing the most appropriate protection product, consider the two client profiles below:-
Client A
 |
"I have arranged my own protection products before and I am aware that there are a number of different available products. I am confident of researching each of them myself to ensure that the product, the covering period, benefits and charges are right for me. I intend to review my protection needs regularly and make any ammendments myself." |
This client is best suited to our Non-Advisory services. Click on the link to see what benefits we offer for our Non-Advisory clients.
Client B
 |
"In the past I have used a Financial Adviser to advise and arrange my protection products. I am not experienced enough to know and understand the different protection products avaialble, especially the covering periods and level of cover. I would also not be confident of assessing the different benefits each product offers and whether I am paying a competititive premium. I would prefer it if an adviser was on hand to recommend the appropriate product and periodically review my protection needs.." |
This client is best suited to our Advisory services. Click on the link to see what services we offer for our Advisory Clients.