Getting advice

Why do I need advice?

For some of Zurich’s products you’ll need to get advice first to see if the product is suitable for you, so your first step is to find an adviser who can take you through the options you have and work with you to find the best solution. When it comes to the big things in life like protecting you and your family, planning your retirement and securing your financial future it makes sense to get some professional advice before you make the leap.

Working with a financial adviser who is authorised and regulated by the Financial Conduct Authority (FCA) can:

Provide impartial advice to make sure you get the best deal
Help you gather all the information you need
Work with you throughout the lifetime of your plan
Help you understand all the things you need to consider

Preparing for your visit with a financial adviser

When you meet up with your financial adviser, you'll get more from your meeting if you prepare first. Remember, you will most likely have to pay for any advice you receive so it makes sense to do a bit of homework first.

To help you prepare, follow these steps:

Step 01: Protecting your finances

What are your current financial commitments – your mortgage and any other significant loans?

Are there any big changes you’re planning in your life – starting or growing your family, moving house, changing job?

How much it costs to run the family home, and to support the standard of living you want your family to have.

What means – if any – you have readily available to cover these costs, if you weren’t able to earn an income because of illness or injury.

The total value of any assets you plan to pass on to those closest to you when you die.

You don’t need to work things out to the last penny – but having a good idea of where you stand today should save you and your adviser time in working out what you need to do to safeguard tomorrow.

Step 02: Your financial goals

Your financial goals are important. They are, after all, the reason why you're saving.

You may have had very specific purposes in mind when you started your plan - perhaps funding a child's education, saving for a dream holiday, or putting away additional funds for retirement.

These goals may have changed and what you want to achieve with your money may be very different today.

Ask yourself:

  • Are the reasons why I'm saving today the same as they were when I started or last reviewed my plan?
  • Do I want to achieve my goals in the same time frame?
  • Am I aiming for the same amount of money back or income from my investment?

If your goals have changed, you may find you need to adjust the way your money is invested.

Step 03: How you feel about taking risk 

How much risk you are prepared and can afford to take with your money is likely to change over time. You need to be comfortable with the level of risk you take throughout the lifetime of your plan.

Ask yourself:

  • How important is it that I don't risk losing any of my money?
  • Am I able and willing to accept the risk of possibly losing money if it means I may get a better return?

Your financial adviser will discuss your attitude to risk with you and assess this against your chosen investments.

You may find you need to adjust the way your money is invested.

Step 04: Gather your personal information

It's likely that your financial adviser will ask you some personal questions.

They will want to know about your present circumstances, your needs, your savings and your income, so they can accurately assess your needs and make recommendations.

When your adviser has all the facts, they will be able to give you all the financial guidance you need.

Get the details together of:

  • Your partner, your children and anyone else who is financially dependent on you.
  • Your income, your employment status, what rate of income tax you pay.
  • Your savings - what plans and savings accounts you have, how much money you have in each and details of these products. For example, whether you can access your money immediately and where your money is invested.
  • Any debt or borrowing you may have.

Think about whether you have increased your mortgage, or taken on any loans since you last saw your financial adviser.

Step 05: Finding an adviser

We can't give you advice but we can help you find a financial adviser. If you don't currently have a financial adviser, you can find one near by visiting and reading reviews of financial advisers by visiting

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