Am I locked into any sort of a contract with an Agent?  – No there is no contractual commitment to any particular expert.  If you would like someone else to answer your question, no problems at all.

What if I am not happy with the answer I am given?   –  If you’re not satisfied that the expert has answered your questions properly, we have a review procedure in place which enables a more senior agent to review to ensure the correct advice has been given.