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Seems a similar argument to annual fee authorisation for advice doesn't it? Trustees are all too keen to ensure members opt in to an advice fee each year to 'protect the funds'

BUT when the insurance fee needs to be authorised only 1 time it's not a good plan because the member might miss it. Or is it because the funds revenue / commission is at risk?

Also "a benefit that is of great value to them" if we apply the same advice fee argument, if the client forgets they have insurance or don't make sure it stays in force, how 'great a value' is it to them really?

We keep getting told that if a client values your advice they'll pay a fee. Well if they value the insurance they'll make sure it stays in force.