Independent Financial Advisers (IFAs) are able to make you aware of all the products available in the marketplace to ensure you get the package that most suits you.
IFAs are bound by the Financial Services Authority rules, which means they are legally obliged to provide advice most suited to your personal requirements and your risk outlook. The terms for this is 'suitable advice'. This means that the IFA has to gain a full understanding of your circumstances and requirements before helping to choose any financial products. Information will be recorded so you can double-check that they really have understood. IFAs will aim to make the whole process as transparent and easy to understand as possible. If you ever feel that you don't understand proposals then please take the time to get a full explanation.
In addition, when recommending a product all financial advisers have to provide written statement of why they think that it is right for you - this to ensure that you are fully informed before committing to anything.
Information on exactly what the FSA do and how they can help can be viewed on the