General Insurance. Will the FSA insist the public buys with or without financial advice? Part 2

At the moment many web sites provide banks of consumer friendly

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information that clients can use to swat-up on the issues and help themselves. Then after the client has registered their interest on the Net, the site operator gets an adviser to call back. The advisers' job is then to provide generalised information without giving ( life insurance quotations ) specific personal advice and provide a quotation. In FSA parlance, this is a non-advised execution only service where the company takes no responsibility for the suitability for what is purchased. It is actually another form of DIY purchase. If this service were modified to include the adviser always having to tell the client what the Key Issues were for the specific ( mortgages ) product in question, then that would help DIY clients avoid mistakes.

Perhaps the option the FSA will favour will be to insist that all clients provide some very limited prescribed background information at an initial stage. This ( life insurance quotes ) information would be designed to confirm, or otherwise, the basic suitability of the product being enquired about. The obvious danger is that the intended few short questions evolve into War and Piece and become very consumer Unfriendly .

If this is what the FSA decides, it will still transform buying insurance on ( home insurance quotes ) the Internet. It's a well-known fact that the more information you ask for Online, the quicker the client abandons the enquiry and clicks off. Therefore, those web sites that try to collect the all background information Online and provide the answers Online (a sort of decision tree logic), would quickly loose out to those operators who provided the service during a telephone follow-up where the client's ( secured loans ) attention span can be more easily extended. Perhaps that's what the FSA would like to happen.