Financial Advisor Services
Unlike financial institutions and insurance companies, which only offer legal financial advisor services limited to the products marketed by each entity, at Pellicer and Heredia we offer completely independent legal advice. In fact, we do not limit ourselves to recommending insurance policies or financial products marketed by a certain entity, for we carry out a complete legal analysis that consists of the following stages:
Banking and financial services
First. Detailed legal analysis of all contractual documents signed by our clients making up insurance policies, financial products or combinations of both. In this sense, we analyze all contractual clauses related to life or survivorship insurance, investment funds, pension plans, insured pension plans, individual systematic savings plans, insurance in which the policyholder assumes the risk of the investment (known as Unit Linked) etc.
Second. We carry out a complete legal analysis of similar products marketed by other financial entities or insurance companies, which enables us to recommend to our clients those products offering more favourable contractual conditions, such as lower commissions or management expenses, greater transparency in information obligations, more swiftness in the management of collections and payments, lower withdrawal or surrender fees, more flexibility for movements of capital between the different baskets or funds offered, etc.
Independent financial advisory in PELLICER & HEREDIA
In order to be able to offer, as efficiently as possible, fully independent legal advice covering both insurance and financial products, at Pellicer y Heredia we offer legal assistance services that include:
- Taking out insurance policies covering life, death, survivorship, disability and dependency.
- Contracting pension plans and any other financial instruments covering the contingencies of retirement, death, disability or dependency.
- Contracting of all types of investment funds: monetary, fixed income, variable income, mixed and global.
- Contracting of mixed products that contain insurance and investment elements.
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