You'd hope so Tara, selling insurance policies is a regulated area so they should at least be properly regulated and trained. That doesn't guarantee you best value or best service though.

Remember that financial advice comes in different forms. Some advisers have access to just one firm's products (think banks), some to a restricted panel of firms, and some to a sufficient variety of product providers that they can be described as being "whole of market".

It's for you to reassure yourself on all of this before deciding what to do.

The big thing though is to make sure any life cover you have will perform the function that you expect it to. Take advice on that from a source of advice that you have reason to trust and make sure the adviser knows about the trust deed.

Do all Trust deeds do a review like this? Which trustee company is your husband with Tara?x

It's Carrington Dean he is with.

My partner went with them to. I wonder if they will ask us to do same x

Ours was protected just before Xmas and I don't think it was mentioned before so I would think they probably will.

A review is not a requirement unless the cost of policies etc is so unusually large that the cost is an issue. In my experience 99% of payments are fine.

Mark

Hi Tara

Like TDA says it's an IFA you need to clarify the advice on Insurance Policies.
in relation to my response i was referring to your husbands estate would lie with the Trustee in the Trust Deed unless his policy was in Trust.
you can clarify this with the IFA this when he comes out.