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Articles tagged with 'Jon-Paul Hale'

As confusion reigns and opinions are strong, is it all a bit much?

31 October 2019 - 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.

What is the advice risk?

21 October 2019 - You could be forgiven for keeping your head down, servicing clients and paying the bills. And frankly, we all need to be doing that.

To FAP or not to FAP, that is the question

3 October 2019 - There is plenty of ongoing discussion in the market around this question but should we also be asking – who owns the clients?

Finally, a breath that suggests it's not all about the advisers and their advice

1 October 2019 - As an insurance adviser, one of the challenges with the rhetoric that has been thrown around over the last few years, you could be forgiven for thinking we're the new whipping post.

The willful ignorance of a miopic point of view

10 September 2019 - 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.

More work needs to be done on policy ownership

30 August 2019 - Getting the ownership of life insurance policies right is critical; but one bank has no idea,  Jon-Paul Hale says.

Partners: Nominated beneficiaries too much of a grey area

28 August 2019 - Partners Life’s confirmation that it will not accept nominated beneficiary requests is about ensuring advisers don't put themselves in a position where their guidance could prove incorrect, its managing director says.

Chicken Little and the falling sky

12 August 2019 - It’s been said to me before, J-P how about looking at the glass being half full? Funny thing is the human brain is naturally a bit pessimistic, 60/40% if the studies I’ve read on the subject are right.

Southern Cross – service or not?

26 July 2019 - Jon-Paul Hale gives his take on what Southern Cross's change to trail commissions means for advisers.

Advisers slam Southern Cross commission change

24 July 2019 - Advisers are unimpressed by Southern Cross’s move to limit trail commission.

Ideal client outcomes

23 July 2019 - There seems to be a renewed amount of noise on what an ideal client outcome looks like. And to be frank, I haven’t seen or heard a definition of one that is clear, concise, and simple.

Our new code

24 June 2019 - We've had plenty of commentary on the code, suffice to say the general feeling has been it is simpler more straightforward.

KiwiSaver and risk, how far out of bounds are we?

10 June 2019 - I ask the question, as I have through the consultation process, as I still don’t have clarity on the connection between the FMA guidance on general advice on KiwiSaver and the new rules that will apply to us.

Commissions - upfront and pendulum

5 June 2019 - The discussion on high trails and lower upfronts, while this is quite aspirational, frankly it is somewhat of a misnomer.

Givealittle no competition for insurance

29 May 2019 - Fundraising sites are more likely to serve as a reminder of the importance of insurance than to take its place, local industry commentators say.

Advisers put in hours of unpaid work

22 May 2019 - We've had a great couple of pages from Naomi and Partners Life on commissions, and it has been excellent to see an insurer standing up and speaking out on this issue surrounding advisers and their livelihoods. Not many are.

What is retrospective risk?

6 May 2019 - Any review work you do as an insurance adviser that does not address the suitability risk of past advice, is potentially going to bring that into focus as today's advice issue for you.

Rules set to get a lot tougher for many advisers

29 April 2019 - I finished off before Easter talking about the health and safety experience, which is something we have been watching and involved with at some level.

Part 2: FSLAB & FADC and what it means for us RFAs

23 April 2019 - In the second part of his commentary on the recent FADC case, adviser Jon-Paul Hale says the requirements expected of advisers is likely to cause havoc.

FADC case shows RFAs face big challenges under new laws

11 April 2019 - While it has been no surprise with the passing of FSLAB, we now have confirmation that the light at the end of the tunnel is, in fact, the oncoming train.

Churn keeps coming up in discussions, everywhere. In the insurers, with advisers, and with regulators.

25 March 2019 - Churn: The movement of cover form one provider to another for the sole benefit of the adviser and what they earn

Conduct and culture, the bits we should be talking about

11 March 2019 - From the comments around the industry in the last couple of weeks, the commission thing has been and has always been a red herring.

Chatter about churn and commission

4 March 2019 - Given the latest chatter about commission, I thought dusting this off was appropriate now.

Commission: The gun that needs to be in the right hands

25 February 2019 - Commission, it's like a gun, it's neither good nor evil until it is put in the hands of a human.

Rough start to the year

18 February 2019 - We've had a reasonably rough start to the year with reporting and political tub-thumping. Between the Reserve Bank report, the Australian Royal Commission report, and the governments on both side of the Tasman, it's fair to say Financial Services has had a rough time.

Insurance conduct report shows lack of understanding: Adviser

4 February 2019 - We have a report from the Reserve Bank about the insurance industry, and it's pretty rough, but it's misguided. Adviser Jon-Paul Hale explains why.

Pipeline of new advisers could be stopped

1 February 2019 - A crackdown on high upfront insurance commissions could cut off the number of new advisers coming into financial services, it has been warned.

How organised are you?

21 January 2019 - After a nice summer break, it's time to start thinking about dusting the pen off for the new year.

2018, more time will tell

1 January 2019 - It’s been an interesting year and one that suggests there has been a level of change we’ve not seen in our industry for some time.

So what are you going to do differently?

3 December 2018 - So here we are, the countdown to Christmas is upon us and the year in the rear view is almost complete.

Servicing, company agencies and the legislation

19 November 2018 - Geoff Annuls weighed into the servicing debate a couple of days ago, and while a reasonable article, failed to cover a few pertinent points.

Tackling a biggie…

5 November 2018 - Adviser Churn, is it churn, beneficial rearrangement or just plain old advice?

Code of Conduct and CWG submissions

26 October 2018 - We now have The Code of conduct for us released for feedback, and feedback you need to provide. Take the time and respond.

How do you get started with moving forward

22 October 2018 - Ok, so if you have been following we’ve talked independence, industry and dealer groups.

The Dealer Group

8 October 2018 - Picking up from my previous article where we need to look to set the bar somewhere around where an AFA is practising, so how do you do this and run a business?

The week that was

1 October 2018 - It was an interesting last week in the news, and there are few things that touch on what we do as insurance advisors.

Are you getting the support you need?

25 September 2018 - I ask this question as there is a pertinent perspective from this with what we will need to be dealing with in the next couple of years. Unless you have been living under a rock, you’ll know regulation changes are coming; this isn’t about what that’s about.

The lost advisers

10 September 2018 - No, they're not hiding, but they have been left out of much of the general discussion on the regulation changes coming.

Insurance conduct regulation's missing piece

29 August 2018 - More oversight is needed of insurance companies’ conduct, to fill a gap in regulation of the New Zealand market, one commentator says.

Who is being served?

27 August 2018 - No, not are you being served, who is being served?

Six-step process

30 July 2018 - Now that you've seen a bit of what I'm thinking, you're getting the idea I'm looking to challenge the status quo somewhat.

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.19 4.05 3.95 4.49
ANZ Special - 3.55 3.45 3.99
ASB Bank 5.20 4.05 3.95 4.39
ASB Bank Special - 3.55 3.45 3.89
BNZ - Classic - 3.55 3.45 3.99
BNZ - Mortgage One 5.90 - - -
BNZ - Rapid Repay 5.35 - - -
BNZ - Std, FlyBuys 5.30 4.45 4.35 4.55
BNZ - TotalMoney 5.30 - - -
China Construction Bank 5.50 4.70 4.80 4.95
China Construction Bank Special - 3.19 3.19 3.19
Lender Flt 1yr 2yr 3yr
Credit Union Auckland 5.95 - - -
Credit Union Baywide 6.15 4.95 4.95 -
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 3.99 4.49 -
Heartland 6.70 7.00 7.25 7.85
Heartland Bank - Online - - - -
Heretaunga Building Society 5.75 4.80 4.95 -
HSBC Premier 5.24 3.35 3.35 3.35
HSBC Premier LVR > 80% - - - -
Lender Flt 1yr 2yr 3yr
HSBC Special - - - -
ICBC 5.15 3.18 3.18 3.20
Kainga Ora 5.18 4.04 3.95 4.39
Kiwibank 5.80 4.30 4.20 4.64
Kiwibank - Capped - - - -
Kiwibank - Offset 5.15 - - -
Kiwibank Special - 3.55 3.45 3.89
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 5.70 4.25 4.15 -
Pepper Money Near Prime 5.64 - 5.44 5.44
Lender Flt 1yr 2yr 3yr
Pepper Money Prime 5.18 - 4.98 4.98
Pepper Money Specialist 7.59 - 7.39 7.39
Resimac 4.50 4.86 3.89 3.94
RESIMAC Special - - - -
SBS Bank 5.29 4.85 5.05 5.49
SBS Bank Special - ▼3.55 3.39 3.89
Sovereign 5.30 4.15 4.29 4.55
Sovereign Special - 3.65 3.75 4.05
The Co-operative Bank - Owner Occ 5.15 3.49 3.59 3.89
The Co-operative Bank - Standard 5.15 3.99 4.09 4.39
TSB Bank 6.09 4.35 4.25 4.69
Lender Flt 1yr 2yr 3yr
TSB Special 5.29 3.55 3.45 3.89
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.34 4.15 4.09 4.49
Westpac - Offset 5.34 - - -
Westpac Special - 3.55 3.45 3.99
Median 5.34 4.04 4.09 4.39

Last updated: 11 November 2019 4:01pm

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The maximum remuneration model for Australian life insurance advisers is to be set at what?

Upfront 40% + trail 20%

Upfront 50% + trail 10%

Upfront 50% + trail 20%

Upfront 60% + trail 10%

Upfront 60% + trail 20%

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