The concept of polarisation was introduced by the preFSA regulators making it mandatory for financial advisors to be either independent or tied to one company. The FSA has depolarised and restricts an authorised representative to one principal for investment business for retail clients while able to access the products of other providers through their princip There is no limit on the number of principals in regard to commercial customers. Authorised persons are not restricted as to number of principals in regard to non-investment general insurance contracts but the principals enter into a multiple-principals agreement to facilitate the supervision of the authorised person concerned.