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Tip from the top

Thursday, March 6th, 2:17PM

As an advisor, one of the most important aspects of being a successful practitioner is the ability to run a successful business. We might have all the technical abilities to give great client advice, but if we do not know how to structure a business, we will ultimately fail in this industry.

Every year, I make a point to spend a day in another advisor’s office to see how they run their business...MORE»

One Path and Pre-disability income on Income Protection claims.

Wednesday, April 10th, 12:46PM

For some time, I have "had a bee in my bonnet" about Income Protection claims.  A situation that concerns me arises when a policyholder is on a long-term Partial Disability claim.  All insurers offer (some included, some at extra premium) CPI linking of benefits while on claim.  This is well and good, as long as they CPI link the client's Pre-Disability income.  Otherwise, the partial benefit gradually reduces in real value.


AMP’s income protection product

Wednesday, April 10th, 12:44PM


I guess that there are a whole bunch of AMP-aligned advisers out there breathing a huge sigh of relief after the takeover/merger with AXA.  I've made no secret of my strong dislike of AMP's Income Protection product, and given that the AMP guys and ladies now have easy access to AXA's much better product, they must be much happier about being able to do a better job for their clients.



Previous News

Professionalism? But at what cost?

Saturday, April 14th, 9:58AM

The ‘noble professions' of law and accountancy have issues with charging clients and an hourly rate should not be seen as a panacea for professional standards, argues Peter Johnston.


One Path’s recent change to their Medical cover

Tuesday, April 10th, 12:37PM


I am staggered that One Path got away with their recent change when they changed the product to require any new medical cover to be an add on benefit to another product.  To buy a new One Path medical cover, it must be attached to Life, TPD, Trauma or Income Protection cover.  I expected to hear howls of outrage from advisers.


Fidelity Income Protection

Thursday, March 29th, 9:14AM

Changes to the wording make it easier to issue policies, but advisers should be careful about proof of income.



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    “@Murray - I recommended to AIA Senior Management in 1999 that they buy Sovereign. Got nowhere at all. Different times, different...”
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    “@Mr Slater I don't think so. An Aussie story I saw said the price was 16.9 times 2017-18 pro forma earnings. That story...”
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    “It looks like AIA may have now joined the Big End Of Town. Hopefully that isn't a negative thing and they continue to act...”
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    7 hours ago by Mr Slater
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