Following on from my outline of the problem of digital document insecurity, I’m exploring how we can all improve this so we’re protecting clients and not unwittingly propagating fraud.

As many of you will have noted, lately, we've seen a distinct shift in providers' approach to document sign-off with digital signature systems.

Adviser Jon- Paul Hale reckons insurance company service levels have dropped to an appallingly low level across the industry.

Back in August 2023, Chatterbox responded with some pertinent thoughts, and I'm expanding on it.

We've seen the various discussions on nominated beneficiaries and the withdrawal of this with Partners Life some years ago.

Recently, I've had an interesting discovery with a client coming of age on their parent's policy, and they were transitioned to their own cover on smoking rates without any input or questions from the client.

Jon Paul-Hale looks into the issue of passbacks, and how they work.

As I said in my earlier article, I merrily uploaded my Aussie quals to every mandatory question in the AIA qualifications module.

One of the goals of the new rules is to improve confidence in the market; another is to increase access to advice for the New Zealand consumer.

I've talked about the privacy act and client information protection in the past, and it seems to fall on deaf ears.

Recently, I've seen some pushback from providers wanting their documents for authority purposes, which is painful.

My comments in my article on insurers not trusting advisers seem to have hit a chord. Not so much in comments but contact from providers.

A meme floating around says, "Integrity is doing the right thing; even when no-one is looking."

Some will look at my recent antics as akin to burning the place down. My response, if I have to!

There, I said it. I've been skirting this topic for a few months, and it's finally come to a head.

Continuing my journey in the weeds on existing business servicing; policy terms. More specifically, reviewing policy terms for existing clients.