Your Financial adviser’s responsibilities are:

• To act with honesty and integrity in your best interest.
• To establish your level of knowledge about financial services and financial products, and they need to understand your needs to provide the right advice to you.
• To explain to you in detail what the solution entails, taking you through the fees, the contract and any exclusions.

Your responsibilities are:

• To provide the correct information to a financial adviser so that a product supplier can make the right assessment of any risk attached to the financial product applied for.
• To provide the correct and truthful information about personal circumstances and health matters that will ensure that a claim is not rejected due to non-disclosure of material information.
• To always ask for more information if there is any doubt about the solution or the financial product