Oh My Goodness!........Surprise, Surprise, Surprise. The LIF framework so vehemently pursued by government and insurers saw adviser compliance work and legal liability risk quadruple and adviser income (i.e. commission) slashed by 40% and now you all wonder why so few advisers are writing risk.....Simple!!!.....because it's not worth it. It's not commercially viable in so many cases and consumers are certainly not willing to pay what it costs an adviser to deliver sound and compliant risk advice. Slash any other professions income by 40% and see how that plays out. Tell Lawyers they're copping a 40% pay cut and they will stop giving legal advice. Tell bricklayers they're copping a 40% pay cut and they will stop building your houses. All advisers warned you ivory tower dwelling Einstein's this would happen but you didn't listen and now see the mess you've created. Fewer Advisers writing risk = less new business = insurers increasing premiums to cover costs = more insured consumers cancelling policies because the cost is too high = insurers increasing premiums further = insurers exiting the market, etc, etc, etc. It's all been on a downward spiral ever since the powers that be felt that advisers were getting paid too much for their professional endeavours. Solution......set commissions back to at least 80/20 to bring back some semblance of commercial viability so that advisers can afford to get back to delivering this type of advice again.