We all know different Banks, financial institutions, IFAs, insurance companies are selling a plethora of products already, most of them overlap & I trust the quality/premiums are similar whether you get it from e.g. AIA or say IFA (as member Kelvin mentioned in another thread).

With more and more parties (mainly IFAs) able to cross-sell various products to a single user, I think it's really quite high-risk (from customer p.o.v.) that this is happening. Personal experience when my agent tells me their co. covers the widest range of products, "even more than the Banks".

Who protects us the end-users, in say,
- Providing very objective information (so we know if any rep. is trying to cheat us by giving wrong/skewed info)
- Helping us seek help/regress (touch wood) if anything goes wrong
- Ensuring all these providers follow a standard code of practice when selling a product/terminating an account/collecting our $$

I'd sure like to know where & a trusted few parties to turn to, or view unbiased track records of a companies before I part with hard-earned money....