Email to Izzy and Eduardo You are on right track with your email. In your email you have mentioned about information you need to determine the products are in the client's best interest however you haven't offered to book a meeting with them to discuss all the product?

Also, if Izzy and Eduardo still want to proceed with the product which you are not accredited with what alternate option you can suggest?

Will you refer them to another broker, but it should be the last resort if clients are adamant to proceed with that particular product?