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I can't afford to get out of bed and provide advice for less than $4,400.00. Given my liabilities as soon as I put pen to paper, the prospect of ending up before Hayne J or equivalent., the time taken to data collect, and then provide researched advice, $4,400 is the bare minimum, let alone the extra time negotiating with Underwriters, and taking a nervous client for their medical appointment. And who will pay that up front for a Life Premium package of say $5,000 per year which is about average?