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It is a dangerous argument to make. "after a death adviser payments to stop because the member is dead". It is only s small step to "super fund admin payments to stop because the member is dead". "The member never used the call center so their portion of call center fees should be refunded", "The member did not claim any insurance so their insurance fees should be refunded." The fees were charged because the potential for a claim, or a call to the call center existed and the fund had to keep the service operating. It is not based on individual use of the service. Why is the logic different for advisers.