[bennyelv]

You should never be taking the advice on such a thing from the person who has a vested interest in you buying it.

Although you could well be right about the nature of the transaction, it's definitely a bad idea to be doing that with the bank!

[close04]

This applies to everything, a mechanic, a lawyer, a dentist. You can't have all the prerequisite knowledge on every field where you may need to make big choices so eventually you'll need to talk to someone.

If it's not the bank, and it's not you, it has to be someone else. You can ask over email for all the information available on the products from the bank and take it to an independent advisor. Eventually you'll run into the need to have a live chat with that trusted advisor or risk moving one mail per day in each direction trying to explain what you want and what you could get.

[philipwhiuk]

That's why there's independent financial advisors.