19th August 2006, 12:12 PM
I cannot honestly see why anyone would be refused for applying at affiliate level. Now if you apply for a corporate level, for example, as a PIFA but your application indicates that your level of responsibility and experience is MIFA, then, I would assume you would be offered PIFA, but possibly the IFA may suggest that you may qualify as MIFA and ask whether you would defer your application and send in the further materials necessary for a MIFA application. I cannot see anyone being refused for applying for a too low level as obviously this would impact on the many corporate members who have probably advanced in their career yet have not advanced their membership level appropriately.