Shine Puttumannil

Shine Puttumannil

Owl Financial

0330 038 8939
Based in Northampton
View location

Top Rated 2025
Verified since: January, 2025
Whole of Market Protection Adviser

5 out of 5

12 reviews


Checks carried out by VouchedFor

  • FCA status: Authorised by Firm

    Last checked: 18 May 2025

    The firm this adviser works for is FCA regulated and has confirmed that this adviser is authorised to provide protection advice

  • 12

    Recent Client Reviews

    Verified reviews: 100%

    Shine has received 12 client reviews in the past 12 months; 100% of these have been verified

  • Whole of Market Protection Adviser

    Last checked: 28 January 2025

    Shine is a whole of market Protection Adviser, meaning Shine can advise across a wide range of insurance products in the market. It’s important to ask if Shine checks providers’ direct only deals.

  • Qualifications Uploaded

    Qualifications not yet added

    Shine has not yet added their qualifications to their profile

Checks carried out by VouchedFor

  • FCA status: Authorised by Firm

    Last checked: 18 May 2025

    The firm this adviser works for is FCA regulated and has confirmed that this adviser is authorised to provide protection advice

  • 12

    Recent Client Reviews

    Verified reviews: 100%

    Shine has received 12 client reviews in the past 12 months; 100% of these have been verified

  • Whole of Market Protection Adviser

    Last checked: 28 January 2025

    Shine is a whole of market Protection Adviser, meaning Shine can advise across a wide range of insurance products in the market. It’s important to ask if Shine checks providers’ direct only deals.

  • Qualifications Uploaded

    Qualifications not yet added

    Shine has not yet added their qualifications to their profile

I work as a Protection Advisor for Owl Financial, which specialises in financial protection for individuals and families across the UK. I joined the business in 2020 and am qualified to advise on a wide range of cover options. Being better protected can make a massive difference in the event of serious injury, sickness or death. It’s a privilege to be able to help customers and their families, who can benefit from much needed cover in times of need. We work with leading insurances providers – companies you can trust to be there should you have to make a claim. I’m based in Northampton , but my customer base stretches much further than that. About Owl Financial: We’re part of Openwork, which is one of the UK’s largest networks of financial advisers. We have a nationwide network of advisers supporting communities across the UK. Our ethos is very much customer focused; we’re committed to providing a service that surpasses expectations. You’ll find us friendly and easy to do business with. We operate to high standards of quality and are proud of the thousands of positive comments we get about the service provided by Advisers. So, if you need financial protection advice, whether it’s personal cover for you or protection for your home or possessions, please get in touch. I’m here to help – there’s no obligation to buy. Owl Financial is a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by Openwork Limited on 07/02/25

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About Shine's clients

Based on responses provided by clients who have reviewed this adviser

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Adviser Disclaimer

This profile and its contents are for informational purposes only and should not be considered financial advice or a recommendation to purchase any specific product. Financial protection needs vary, and tailored advice requires consultation with a qualified advisor. All financial protection solutions, including but not limited to life insurance, critical illness cover, accidental protection, mortgage protection, and income protection, are subject to terms, conditions, and underwriting criteria. It is essential to carefully review policy terms, exclusions, and conditions before making any decisions. I adhere to the standards of the Financial Conduct Authority (FCA) and comply with regulations set by the Prudential Regulation Authority (PRA) and the Financial Ombudsman Service (FOS). For personalized recommendations, please contact me directly. Always review full policy documents before committing to any financial product.