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Separately the Govt to be (THELABOR PARTY AND INDUSTRY FUNDS) have declare their abhorrence of Advised Life Insurance. So it appears that RC Haynes and SC ORR, etc have sided with this viewpoint and are determined to do away with ADVISED Sales of Life Insurance. So the generally ignorant Public and those who advise them, including CHOICE, would have the public UNDERINSURED,
USING POOR QUALITY PRODUCTS
USING PRODUCTS WITH HIGH COSTS FOR WHAT ONE GETS
NO UP FRONT UNDERWRITING TO DETERMINE WHETHER THE THOUISANDS OF DOLLARS TO BE SPENT ON GROUP INSURANCE WILL EVER BE PAID AT CLAIM TIME
NO REFUNDS OF PREMIUMS WHEN AT CLAIM TIME IT IS DETERMINED THAT THE INSURED WAS "UNINSURABLE" INITIALLY
INADEQUATE COVERAGE OF PEOPLE GENERALLY BECAUSE NO ONE WILL BE INCETIVISED TO Take the time to EXPLAIN THE VALUES OF LIFE INSURANCE
QUICK DEATHS WHEN PEOPLE DO NOT HAVE ENOUGH MONEY TO PAY FOR LIFE SAVING NEW MEDICINES NOT YET SUBSIDISED ON THE PBS BUT CERTAINLY KNOWN THROUGH O'SEAS TRIALS TO BE EFFICACIOUS
LOSS OF AN UNINSURED BREAD WINNER IN A FAMILY CAUSING STRIFE FOR DEPENDENT FAMILY MEMBERS.

IMAGINE THE COUNTER ARGUMENTS : OH WELL, THE DEPENDENT SPOUSE WITH MANY KIDS CAN READILY REMARRY, OR GET A JOB, OR RELY ON THE WIDOWS PENSION OR SEEK CROWD FUNDING OR SIT ON A PAVEMNET GROVELLING FOR HANDOUTS!

GOOD QUALITY LIFE INSURANCE IS THE ONLY WAY TO PLAN FOR A TOLERABL FUTURE!

THE PRESENT MODEL WHICH REWARDS ADVISERS OVER TIME IS THE ONLY OPTION AND IS THE BEST.