Shine Puttumannil
Owl Financial
0330 038 8939
Based in Northampton
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: January, 2025
Whole of Market Protection Adviser
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.
5 out of 5
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FCA status: Authorised by Firm
The firm this adviser works for is FCA regulated and has confirmed that this adviser is authorised to provide protection advice
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
Shine has received 12 client reviews in the past 12 months; 100% of these have been verified
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
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.
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
Shine has not yet added their qualifications to their profile
Qualifications not yet added
Shine has not yet added their qualifications to their profile
Checks carried out by VouchedFor
FCA status: Authorised by Firm
The firm this adviser works for is FCA regulated and has confirmed that this adviser is authorised to provide protection advice
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
Shine has received 12 client reviews in the past 12 months; 100% of these have been verified
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
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.
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
Shine has not yet added their qualifications to their profile
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).
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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.