Speed: The shopper was connected instantly to the adviser at 12:15pm. 5/5
Telephone manner: The adviser was very engaging and keen to speak. 5/5
Qualifications: Level four Dip PFS. 5/5
Payment method: This adviser said the advice company will be paid commission by the provider. But he also said there may be a minimum fee of £1,500 levied on the shopper. 4/5
Guidance: The adviser also asked very useful questions of the shopper. He said for the self-employed, providers look at a number of factors. He asked the shopper for her level of earnings in the previous year and her latest level of accounts from being self-employed. 4/5
Knowledge: The adviser also offered a very good understanding of what providers take into account when providing income protection. 5/5
Website: herbertandwebster.co.uk
Email: kurt.mcsweeney@herbertandwebster.co.uk. 5/5
Verdict: The shopper found this adviser very helpful as he asked a few questions, which most other advisers did not.
33/35
Adviser: Thomas & Co Financial Services (Independent)
Address: 98 Ock Street, Abingdon, Oxfordshire, OX14 5DH
Speed: The shopper was connected to a switchboard first, and after quite a few rings to a chartered financial planner at 3:37pm. 4/5
Telephone manner: The adviser was very friendly. 5/5
Qualifications: Level six chartered financial planner. 5/5
Payment method: The chartered financial planner quoted a minimum fee of £1,500. 4/5
Guidance: The chartered financial planner gave the shopper an overall view of income protection. He mentioned that the shorter the deferred period, the more expensive the policy. He said income protection pays out between 50 to 65 per cent of the policyholder’s income. 4/5
Knowledge: The adviser offered a breadth of knowledge and detail as to what the shopper can expect out of taking an income protection policy. 5/5
Website: tacfs.co.uk
Email: ds@tacfs.co.uk. 5/5
Verdict: The adviser was very eager to hold a detailed chat with the shopper and gave a good overview.
32/35
