CeMAP Exam

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Under the FCA's Consumer Duty, an adviser must 'act to deliver good customer outcomes'. In the context of mortgage protection, what does this primarily require the adviser to do?

Ensure the client buys at least one protection policy with their mortgage. Recommend the cheapest policy available regardless of the features. Discuss and assess the financial risks of death or incapacity, helping the client avoid foreseeable harm. Provide the client with a list of insurers and allow them to choose for themselves.

Correct Answer:

Discuss and assess the financial risks of death or incapacity, helping the client avoid foreseeable harm.

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