Term Assurance
Once upon a time the world of financial services was a convoluted mess of legal jargon and intimidating small print. Many people put off speaking to financial experts because of the reams of paperwork they feared they would have to deal with, all the while knowing that really they had no idea if they were being ripped off with their term assurance or not.
Relatively recently two things have done a lot to change this situation. The first one is the internet. Nowadays if you are interested in finding out about what kind of term assurance policies are available you can just type it in to a search engine and away you, tens of thousands of pages on the topic, aimed at everyone from the normal man in the street right up to in depth market analysis. Many institutions also publish the details of their term assurance policies online, meaning you can sit and browse your options from the comfort of your lounge or study at your own pace, without destroying 10,000 trees in the process.
The other big change is the financial services authority. Although being proven completely toothless in the face of the recent unregulated sub-prime lending and massive consumer debt, they have taken great strides in their work to protect the public from unscrupulous term assurance sales people. Nowadays you can speak to an advisor who will be able to advise you on the whole financial services market with no allegiance or bias towards individual organisations.