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Mark Stopard, Head of Product Development, Partnership comments on the new Guidance Guarantee report from the Chartered Insurance Institute (CII): “The overwhelming message from the CII report appears to be that in order for Guidance to be a success, it needs to be tailored, relevant and personalised. Whether someone chooses to access it face to face, via a telephone service or online questionnaire, they want to feel that it provides them with information they can use to make choices. “The new pension regime not only provides additional freedoms but puts far more responsibility on individuals to make the right choices for their circumstances. Done right, the Guidance Guarantee can facilitate this but people need to be motivated to engage and will only do so if they feel that they will personally gain something from the experience. ”It is unlikely that they will gain all the answers in one of these sessions but if it provides them with the confidence to shop around for a retirement product or highlights the need speak to an independent financial adviser then it will be highly valuable." |
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