Hi Veteran,
The disclosure of the entry/exit charge (and any other charges) should have taken place at the point of sale. You've signed a declaration on the proposal that you have received the relevant customer guide (the advisor has signed that he/she has given it to you). The customer guide will have generic information on how the charges affect the policy and what indicative intermediary remuneration is paid. When the policy documentation is issued, the specific charges/remuneration will be included.
If you receive advice on a product, you have to pay for it. This can be via commission from the product or fee. The levels of these can be negotiated.
If you don't need advice you can set up a product on an 'execution only' basis and the indicative charges on this type of service are 0% entry/exit charge and a 1% annual management charge.
Typically, it's the difference between the 0% and the 5% that pays for the advice.