BEFORE taking any "IFA"'s call .. make sure you look them up on the SFC site.
If they're not on here ..
Public Register of Licensed Persons and Registered Institutions they're insurance sales guys doing the hustle.
One of the guys I've just banned / deleted did not have his company's name in there .. just incase some PM's have gone missing.
Also, if you're going back to the US, I urge you to go look up someone is licensed / qualified there.
PDLM - Really found it useful? I gave up as soon as I saw their special offers... high commission products.