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I think the FSC should be paying for their misdeeds. They corruptly conned the government and ASIC over the LIF for profit which promised "a better outcome for customers". Since then they have been increasing existing customers rates at unprecedented levels.
The FSC are solely responsible for a surge in lapses, a plummet in new business and for increasing under-insurance.
This is a lobby for profit group and nothing else. The best outcome for customers and the industry is to have the FSC disbanded.