Why We Don’t Take Commission And Why That’s Better for You

In a world where trust in financial services is being tested, we believe the best way to serve our clients is to keep things simple, transparent, and aligned. That’s why Continuity Point doesn’t take commission. Instead, we charge a straightforward advice fee, just like your accountant or solicitor.

This isn’t just a point of principle. It’s a business model built around what’s best for you.

Commission Creates Hidden Risks

Recent legal rulings, most notably a Court of Appeal decision involving car finance, have thrown commission into the spotlight. The concern? That commission creates hidden incentives which could distort advice. Even if a product is suitable, if the adviser earned commission and didn’t disclose it properly, it could be viewed as a conflict of interest.

In some cases, clients have been left wondering whether they were paying more than they needed to or if they got the right advice at all.

At Continuity Point, we decided not to wait for the next wave of regulation or litigation. We’ve already removed the risk by removing commission entirely.

Our Model: No Commission. No Hidden Agenda

We charge a flat fees for professional advice. That’s it.

No cut from the insurer. No backdoor payments.

Just independent, expert guidance on how to structure life insurance, shareholder protection, key person cover, business trusts and wills.

So What’s In It for You?

• Unbiased advice. We’re not being paid to prefer one insurer over another.

• Lower premiums. Without commission, the cost of cover is always much lower, especially on large cases.

• Full transparency. You know what you’re paying and why.

• Aligned interests. Our success is measured by the quality of our advice, not how much product we sell.

• Professional credibility. Our advice stands up to scrutiny from your shareholders, accountant, or solicitor.

This Isn’t Just About Insurance. It’s About Trust

In commission-based models, clients fund the adviser’s remuneration through their premiums. The problem is that the commission amount is set by the insurer—not the client—and reflects the value the adviser provides to the insurer as a product distributor, not the value delivered to the client as a professional adviser.

That’s the wrong way round. Professional advice should be valued for the benefit it creates for the client, not the sales it generates for the insurer.

By separating advice from product, we remove that doubt and put trust at the heart of every engagement.

A Better Way Forward

There’s growing scrutiny around commission in financial services and how hidden incentives can undermine trust in the advice clients receive.

Unlike most advisers, we don’t take commission

Most still rely on commissions paid by insurers. At Continuity Point, we’ve made a different choice—removing commission entirely to ensure our advice is fully aligned with your interests.

That means:

• No conflicted incentives

• No product bias

• No hidden costs

Just clear, independent advice paid for by you, not by the insurer.