The short answer is to use an Independent Financial Advisor, investigate them thoroughly and make sure you understand any product you buy.
There is a great need for a generic financial advisory service to be rolled out across Britain.
MAT or the Money Advice Trust is a charitable organization that was formed back in 1991. The organization’s President Baroness Jean Coussins and a board of Trustees govern the operations of the whole company. This company was created with the aim to increase the quality and the availability of free and independent financial advice across the UK.