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Billy, I don't have many clients with grandfathered commissions, but most of those whom do, are elderly, with products that commenced when Centrelink concessions were much more generous. From a business point of view, I cannot realistically service them and earn a reasonable return (every business needs a profit or it won't be there) as they are not wealthy people. But i do service them, because I promised them I would many years ago when life and the burden of compliance was much simpler. It is quite simply in their best interests to maintain these products which do not offer fee for service option and the clients cannot afford to pay the fee themselves.