• We will record and assess the client’s current policies and levels of cover, and review their needs relative to their current circumstances and aspirations.
• We will consider the client’s debt position and any other special circumstances that might require capital sums.
• We will need to understand if the client has “dependents” and to consider if any new or existing plans should be placed in “Trust*”.
• We will need to consider if the client has death-in-service benefits or other benefits through their employment (such as income protection, private medical cover, etc.)
• We will need to understand the client’s health situation and carefully consider the impact of this on any current or new plans.

*Trusts are not regulated by the Financial Services Authority.