Product Development and Distribution Agreements

We are often involved in the early stages of the new product development process for our Financial Institutions clients advising them on viability under FSA rules, alternative structures and applying for variation of FSA permission. We also assist in drafting the relevant product documentation.

We have advised many clients on the introduction of Individual Savings Accounts ("ISAs"), Child Trust Funds ("CTFs") and Self Invested Personal Pension Schemes ("SIPPS"), co-branded credit cards and an increasing number of innovative e-money schemes.

Our extensive experience includes structuring products for the regulatory and fiscal needs of insurance groups and their target investors, including insurance, investment and derivative products. We frequently advise on insurance wrapped structures and on the collective investment and mutual fund structures in use in the United Kingdom and in relevant offshore jurisdictions.

Our wide-ranging corporate and commercial experience also enables us to guide our clients through the regulatory implications and the implementation of distribution and Outsourcing arrangements.