Ask the experts: Would you recommend unit-linked guarantees?

The main reasons given in the survey by these advisers are that they don’t understand the products or that they perceive them as too complicated or too expensive. However, the 34% who are recommending unit-linked guarantee products (ULGs) are no longer talking about product complexity, although they would like to see simpler marketing material. This suggests to me that, so far, ULG providers have not been successful in engaging effectively with the remaining 66% to get them understanding the products and comfortable with the arguments.  We’ve found that face to face contact with advi...