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Interesting that the UK went through the same ridiculous charade from 2012, but now there up front commissions are up to 220%, as their new business premiums collapsed. There appears to be a lot of employees in Govt, FSC etc, on fortnightly salaries, who think new business will just happen for less than the cost of production. Welcome to the real world people... INSURANCE SIMPLY NEEDS TO BE SOLD BY SALESPEOPLE WHO WON'T DO ALL THIS RED TAPE FOR FREE.