This note provides an overview of the FCA's appropriateness requirements for firms carrying out non-advised investment services in respect of MiFID business and insurance distribution relating to insurance-based investment products (IBIPs). In particular, the note discusses the appropriateness test that such firms have to carry out in certain circumstances. It focuses on the rules and guidance contained in chapter 10A of the FCA's Conduct of Business sourcebook (COBS 10A).