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3.2 Comparing Similar Products from Different Providers Assuming that a number of providers supply the 'same' product which will fit the client's needs, a number of factors will need to be considered:- Charges, including surrender value performance. Consistency of investment performance, including bonuses. Policy options, and whether they bear any additional charges. Product guarantees. Flexibility e.g. stopping and re-starting premiums, investment funds available, switching facilities, changing the amount of regular premium. The final decision will depend on the prioritising of needs for particular features i.e. those that do not appear as a specific 'need' should not have any weight in the decision making process

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