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This will be interesting to see played out...I would love to know the detail of the 8 cases. ie if a needs analysis actually conducting pointing to the need for the cover but "premium sustainability" due to premiums being more than contributions and growth within a super fund. I've seen more and more people on their 3rd marriage with new kids and debt up to their eyeballs. A balance does need to be struck but surely the lawyers will be arguing that ASIC is assuming the clients never actually need to claim? I shall be watching closely as I sometimes struggle with ASIC's narrow view on premium affordability being targeted at super accounts, surely they understand that the premiums need to come from somewhere...if they dont come from the super fund, they will come from their personal cashflow which can conflict with other goals and objectives of clients such as paying home off sooner.