I get sick of reading articles in mainstream media about premiums being higher than claims and this being considered a bad thing.

Just say for a moment that one of the outcomes of the Financial Advisers Act Review is that most RFAs will have to meet the requirements of the AFA Code of Practice.

The problem with the ideal is that it is so unrealistic.

What’s the right process for cutting cover when the client’s budget is tight?

Written contracts are difficult for consumers to understand, but they are vital.

There are several good studies which try to determine what ‘advice’ really is – meaning, how customers perceive and value advice, rather than the legal definitions which have come to dominate discussion.

A recent claims controversy in Australia underlines the need for insurance definitions to bear a resemblance to the words used by most humans in their day-to-day lives – or very clear explanations of the differences.

The alternative title of this piece is 'What crowdfunding and insurance calculators have taught me about what a useful amount of life insurance is'.

So you want to grow? That will mean new things – unless you have been on a consistent, year-on-year 10%+ growth track for a while and you simply need to keep turning the handle you will need new ideas.

So you want to grow?

There has been so much product and pricing activity recently it has been hard to keep track of it all.

Over the past few weeks there has been so much product and pricing activity it has been hard to keep track of it all. In strict alphabetical order the companies that have made changes include: AIA, Accuro, AMP, Asteron Life, BNZ Life, CIGNA, and Sovereign.

More people are broke – and more people are wealthy – meaning more diverse choices for excess levels and waiting periods

With the growth of the internet and changing consumption patterns it can be hard work connecting with potential customers. Russell Hutchinson discusses some of the options available to advisers.

One commentator I read, who happens to be a big fan of robo-advice, talked excitedly about how it solves all those messy compliance problems caused by forgetful – or conflicted – humans.

What exactly is roboadvice? Is it even legal?