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I like the heading "If they dont ask, dont try and sell" Even if they ask or if they have a level of cover they want to be implemented you cant act unless having them fill a detailed Fact Find and then producing a SoA which most dont read anyway. Im interested to understand if the term under insured means anything to AFCA.
This on top of super funds cancelling cover due to inactivity all points to severe financial hardship at times when people are most vulnerable.