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Michael, as an adviser with forty years experience, largely in risk products, I both agree and disagree with you. Yes, I do provide advice at claims time, but it is really factual in nature. ie: "you have a specified illness benefit ..... " or "we need to submit a certified copy of the death certificate." making it designated product advice, what value would there be to a client in needing to receive this type of assistance in a Statement of Advice." If you read Treasury's Consultation paper on this issue, SOAs are a very real possibility of their review. This would only complicate and delay the claims process for clients at their very time of need, causing them unnecessary distress. hardly in their best interest?