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Thats the problem with high commission rates. Tends to attract salespeople, not advisers. I see people on Linkedin beating their chest about their prowess on providing cover for their clients and adding trophies to the collection. If commissions get wiped I probably won't see these posts anymore...oh joy. "We're a fee for service firm...but still accept commission on life insurance...on top of the holistic advice fee". I still struggle with this concept.