Risk Advisers exited the profession in droves because they copped a LIF invoked 40% pay cut which rendered business commercially unviable for most, and only marginally viable for those who chose to remain. Those who still write risk usually only do so for clients with higher annual premiums (i.e. forget the 20 - 35 year old age bracket) or when cross subsidised against other income generating services (i.e. accounting / mortgages / complex advice). If it's not commercially viable, Advisers won't offer the service. Economics 101.