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Product and Services outcome

Our range of support can help you make and evidence suitable product recommendations, and review them so they continue to meet your clients' needs while supporting this Consumer Duty outcome.

What this outcome means for you

This outcome requires advisers to understand if products and services are suitable for their clients in the long term. To help meet this outcome, you should stay informed about how providers design and update their products to meet the changing needs of their target market.  

This means you need to evidence that your product recommendations are in line with client needs, and that any advice you provide continues to support the ongoing needs of your clients.

What you need to do

  • Assess the target market information for products you recommend: this will give you an overview of who products are designed for to ensure they suit your clients' needs
  • Consider your clients' life stage and their needs: assess how their life stage and needs may align to the product’s target market
  • Regularly review products against clients' needs: consider whether product performance and target market remain aligned to your clients' needs, and adjust your recommendations if necessary.

Pensions

Evidence that your Royal London pension recommendations meet your clients' needs.

These resources explain our pension products and who they're intended for. They can help you make informed recommendations that support the changing needs of your clients in the long term.

Protection

Evidence that your Royal London recommendations meet your clients' needs.

These resources provide information on our protection products and who they're intended for. They can help you support your clients' long term needs and demonstrate the suitability of your recommendations.

Our ‘Reasons Why’ tool for protection

Explain your Royal London Personal Menu Plan recommendation using pre-written text that describes our company, and the features and benefits of our products. It can also be used to support Business Menu Plan conversations.

Use the tool  

ISA

Evidence that your Royal London recommendation meets your clients' needs.

These resources explain our Stocks and Shares ISA and who it's intended for. They can help you make informed recommendations that support the changing needs of your clients.

Access our latest investment information

Learn more about our ongoing investment management and governance to support due diligence for your clients' investments.

More Consumer Duty guidance and support

Consumer Duty: let’s deliver good outcomes together

Our Consumer Duty guides and resources can help you meet your obligations, run your business more efficiently and deliver good outcomes for your clients.

Explore our guides and resources  Explore our guides and resources Read our Consumer Duty guide  Read our Consumer Duty guide