A document, relevant to life assurance, private pension and device trust services and products, which will be given to prospective clients during the preliminary meeting. What this means is that the agent is either independent or a tied agent (organization agent) and just how they vary. The guide subsequently states the identification regarding the issuer: which kind of agent he or she is and his/her responsibilities into investor. Also the company whoever products is bought provides full item details and indications of fees or commissions payable written down. It's a mandatory necessity, whether advisers are separate or tied up agents, that a buyers guide be provided with to a prospective client (prospect) just before any item discussions.