Jon-Paul Hale questions whether an adviser, under the new regime, will still be responsible for the advice given after selling a book of clients to another adviser/FAP.

Insurance adviser Jon-Paul Hale says advisers are getting hung up on level five qualifications, when the real issues they should be focusing on are much bigger.

Jon-Paul Hale with his critique of the Partners Life commentary and what to watch when considering replacement business.

Jon-Paul Hale on licensing, commission structure changes and the benefits of dealer groups. 

The future is bright for those focused on the right outcomes for clients says Jon-Paul Hale.

Sorry team, I think I introduced it. Driving good customer outcomes has been a piece of language I have been using for a good 3-4 years when no one else was.

Jon-Paul Hale's third of four articles on income protection; recent critique of the length and motivation for IP claims and how public health and IP don't collide well.

In the second part of his series on income protection sustainability, Jon-Paul Hale says there is a cultural side to claims which is overlooked in research.

The future of income protection insurance is likely to come under more scrutiny this year. In the first of a four-part series Jon-Paul Hale takes aim at some claims made by Partners Life.

I said to a colleague about two months ago that based on the 2010 change, 90% of advisers will miss the June 2020 deadline. They disagreed – they may well be right – I hope they are.

It seems it's not. And given the time and dialogue, I need to name names on this issue.

There are so many options for advisers under the new regime; licensing, coming under a licence, packing it in, or working for a bank or insurer. Jon-Paul Hale says the answer is quite simple.

You could be forgiven for keeping your head down, servicing clients and paying the bills. And frankly, we all need to be doing that.

There is plenty of ongoing discussion in the market around this question but should we also be asking – who owns the clients?

Sounds angry and somewhat is. It comes from constantly being told that commission-based sales people, especially life insurance advisers, are bottom-feeding scum of the earth.

Getting the ownership of life insurance policies right is critical; but one bank has no idea,  Jon-Paul Hale says.