Tailor to the individual

What do you think are the main issues advisers need to bear in mind when recommending different annuity products to their clients? The starting point is that the IFA needs to be satisfied that they have the right product for their client. They should look at whether a conventional annuity is best for the client or whether in the current market circumstances an investment linked product would be better. The adviser needs to ensure they have assessed the client's health and personal circumstances very carefully before a decision is taken. Over the past few years advisers seem to be gettin...