RR Branch · Fact Find

What happens now

From the moment you press submit,
to your client’s hand on the file.

Step one

You finish with your client,
and you submit.

That is the last thing you have to do.

It lands on the Guardian form
Guardian Confidential Fact Find Form, page one

The real one. Word for word, where it belongs.

Page one, before anything else
Insurance Act 2018, Schedule 11 Standards of Market Conduct

Understand the need before you recommend anything.

Not a rule the branch invented.

It is printed on the form — and your client signs
directly underneath it.

Within seconds · to your client
Thank you for meeting NarissaRicky Rampersad Branch
Term Life · TT$2,000,000If anything happened to Anisa
Why: Clears the mortgage and replaces her income while the children are still at school.
Deferred Annuity · TT$2,921,073Retiring properly
Why: Builds the pension she said she wants to retire on at sixty.

Your reason, beside every single plan.

To their manager · on a phone
Anisa Ramkissoon — ready for your sign-off From Narissa · due back tomorrow
Assessed shortfallTT$4,275,000
Being recommendedTT$5,421,073
2 things to look at
● No income protection on a sole earner
○ Premium is 27% of monthly surplus

Already pulled out. Nothing to go hunting for.

They decide from the email
Approve & sign Signs the fact find and releases it to the client
Request changes Goes back to the advisor — client told nothing
Decline

No sign in. No form.
Their signature goes straight onto the fact find.

The moment they do
TT$0

of cover, in your client’s hands.

And here is what changed
Your plan has been reviewed and approved Ricky Rampersad Branch
What you are taking
Term Life · TT$2,000,000If anything happened to Anisa
Deferred Annuity · TT$2,921,073Retiring properly
Critical Illness · TT$500,000If she got seriously ill
Together — TT$4,921,073 of cover for TT$1,992 a month

Not everything you showed them. What they chose.

And what they didn’t · in their own words
Recommendations and Client's Decision on the Guardian form

Critical Illness — “revisit once the car loan finishes in March.”

Who receives it
To
Your client
the person it is about
Cc
Their direct manager
the one who checked and signed it
Cc
You
so you know what they hold when they ring
And who does not
Off
Sales Support
copied on your message, not the client’s
Bcc
Branch Manager
sees everything, visible to nobody

Your client sees the people who advised them,
and nobody else.

Then they sign
“I confirm the information recorded here is mine, that the recommendations were explained to me, and that the decision shown is the one I made.”
And this is why it matters

A client who understood
what they bought, and chose it,

does not walk away in month nine.

✓

Proper needs assessment.
Documented, and checked by a second person.

✓

Real client engagement.
They read it, they answered, they signed.

✓

Guardian’s own paper.
Every step of it, on the form itself.

And it all comes from one place

Section 10

Review need
Our recommendation
Client’s decision

Step three. Every time.

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