11   Financial advice and guidance
 
When considering whether to invest in a particular fund, it is important that you are aware of the objectives of the fund. You also need to be aware of the types of asset it invests in, the level of risk in the fund and the investment approach the fund manager will take as a result.
 
It is important that you regularly review your unit-linked investments to make sure that they fit your needs and that you are comfortable with the level of risk. We recommend you discuss this with a financial adviser.
 
You can find a financial adviser in your area at www.unbiased.co.uk. A financial adviser will inform you of the fee that they charge for this service.
 
We would also draw your attention to Pension Wise, the Government sponsored service which offers free impartial guidance to policyholders about what to do with their savings at retirement. You can find more information at www.pensionwise.gov.uk or you can call them on 0800 138 3944.
 
 
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