There has been (and I’m sure will continue to be) a lot of conversation around the structure of life insurance commissions and the sustainability of the industry, in particular the debate over upfront versus hybrid/level. The conversation is valid, and as professionals of this industry we should try to understand why the argument for hybrid and level over upfront isn’t going away.
Very few Australians fail to insure their car, their house or their home contents. Why then do so few of us adequately insure our lives and our incomes?
In 2014, let’s focus on getting back to the basics, writes Craig Parker, general manager, Affinia. Advisers should ask themselves three simple questions…
There are smart ways for advisers to both address underinsurance with clients and secure their trust and long-term engagement, writes Terry McMaster.
The key to estate planning with clients lies more in being a good listener and thinker, than a technical guru, writes Terry McMaster.
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