Risk

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The Association of Financial Advisers and the Financial Planning Association of Australia have combined to establish a new task force ahead of ASIC’s review of the Life Insurance Framework in two years’ time.

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A key focus of the task force will be helping to improve the general understanding of the role financial advice plays in improving insurance outcomes for consumers and the importance of offering them choice in how they pay for that advice, the AFA said in a statement.

The task force will be made up of two senior representatives of the AFA, two senior representatives of the FPA and four advisers – two from each association.

It will also report back to advisers with a common view on what will be required of them after ASIC’s 2021 review of the industry.

AFA chief executive Philip Kewin said the task force has been set up in order to have a combined association approach to the future of life insurance and the ultimate objective is to arrive at a life insurance industry that delivers the best possible outcomes for consumers.

"We believe it is very important to have a united and consistent message from the advice community about the future of life insurance, that we can share with government and the regulators," Mr Kewin said.

"This will also allow us to work collaboratively as a community with government, towards the shared goal of great outcomes for consumers.

“The aim is to create greater understanding of financial advice, the role of advisers and how life insurance commissions offer consumers an affordable way to access life insurance advice.”

FPA chief executive Dante De Gori said, "The FPA and AFA collectively represent many, many thousands of financial planning professionals, who in turn serve millions of Australians who care about life insurance. So, as a united taskforce we can make an impact for well-considered, positive change much more effectively."

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The Association of Financial Advisers and the Financial Planning Association of Australia have combined to establish a new task force ahead of ASIC’s review of the Life Insurance Framework in two years’ time.

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AMP has announced its chief financial officer will stay in the role through the first half of 2019 as it continues the sale of its life insurance business to Resolution Life.

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It said in an announcement to the ASX that group chief financial officer Gordon Lefevre has agreed to remain in his role “to ensure an orderly transition and continuity of leadership of the Resolution Life transaction”.

In May, AMP revealed it was transitioning the group CFO role from Mr Lefevre to John Patrick Moorhead. It said Mr Moorhead will now start as group CFO on 1 October.

“As indicated at the AMP 2019 AGM, the separation is difficult and complex. AMP continues to deal with multiple regulators in different jurisdictions and with other challenging processes to achieve the conditions precedent for the transaction,” AMP said.

“In some instances, these regulatory requirements have changed since the transaction was agreed. However, we continue to work towards completion of the sale by the end of the third quarter of this year.”

AMP said in January that the sale of its life insurance business to Resolution Life remains on track to complete in the second half of 2019.

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AMP has announced its chief financial officer will stay in the role through the first half of 2019 as it continues the sale of its life insurance business to Resolution Life.

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Key industry stakeholders have warned clients with life insurance cover inside their superannuation that they may end up without that cover from 1 July unless they elect to retain the insurance.

Write comment (3 Comments) " ["fulltext"]=> string(2181) "

A super fund member’s life insurance will be cancelled if their account is inactive for 16 months or more as part of the government’s Protecting Your Superannuation Package reforms.

Super funds had until 1 April to identify members who have been continuously inactive for 16 months or more and by 1 May had to inform them that they will lose their life insurance cover unless they choose to opt in.

Integrity Life general manager of distribution Suzie Brown said there are Australians who may not be aware of how the upcoming changes to life insurance within super will affect them and their ability to financially protect themselves or their loved ones when they need it most.

Further, she said the Australian Taxation Office will have the power to consolidate inactive super accounts with a balance below $6,000.

“Despite the fact that super funds have communicated with people about the changes, the tight time frame means that there isn’t much time for people to opt-in to insurance. That is, to let their fund know that they want to keep their life insurance cover,” Ms Brown said.

The SMSF Association noted concerns that some SMSF members deliberately have an APRA-regulated fund to get life insurance and will lose that life insurance because they have not checked correspondence from their APRA fund or contributed to it.

“This could have a devastating impact on policy holders or their beneficiaries if their insurance cover is unknowingly terminated. Furthermore, it may be extremely difficult and costly to try and access insurance at a later stage,” said SMSF Association chief executive John Maroney.

“It is therefore imperative that SMSF members wishing to maintain their life insurance cover do so now by giving direction to their APRA-regulated fund that they wish to opt in.

“The other option is to make a contribution or a rollover into the ‘inactive’ APRA-regulated fund so that the period when a fund starts to be inactive is reset. But even if this approach is adopted, we recommend that SMSF members opt in.”

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Key industry stakeholders have warned clients with life insurance cover inside their superannuation that they may end up without that cover from 1 July unless they elect to retain the insurance.

Write comment (3 Comments) " ["jcfields"]=> array(1) { [1]=> object(stdClass)#5658 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-09-05 01:40:34" ["created_user_id"]=> string(4) "1090" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5608 (3) { ["data":protected]=> object(stdClass)#5482 (1) { ["options"]=> object(stdClass)#5612 (2) { ["options0"]=> object(stdClass)#5613 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#5609 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5610 (3) { ["data":protected]=> object(stdClass)#5615 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "0" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "1" ["label"]=> string(17) "Automatic tagging" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(7) "Digital" ["group_title"]=> string(4) "Tags" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(1) "1" } } ["link"]=> string(62) "/risk/26860-group-insurance-risk-for-clients-ahead-of-deadline" ["image"]=> string(28) "images/News/calendar-ifa.jpg" ["image_alt"]=> string(8) "Deadline" } [3]=> object(stdClass)#5490 (59) { ["id"]=> string(5) "26848" ["title"]=> string(42) "ClearView pushes case for life commissions" ["alias"]=> string(42) "clearview-pushes-case-for-life-commissions" ["introtext"]=> string(368) "

ClearView has argued its case for life insurance commissions, saying additional changes to adviser remuneration will not lift advice quality and will only drive up costs.

Write comment (1 Comment) " ["fulltext"]=> string(2241) "

A new paper from ClearView draws on findings from its ‘Adviser Experience Survey’ to illustrate the likely unintended consequences of further changes to life insurance commissions, and seeks to disprove that commissions lead to poor client outcomes. It also identifies the real cause of poor advice and emphasises the benefits of variable remuneration structures.

Based on the research, the vast majority of advice practices depend on upfront commissions and only 2 per cent charge a flat fee for life insurance advice.

Further, over 80 per cent of advisers do not believe consumers will pay a fee for insurance advice indicating that further reductions in commission caps will force them to focus only on affluent clients who are willing and able to pay a fee.

ClearView chief actuary and risk officer Greg Martin said values and culture play a major role in shaping behaviour within professions and organisations.

“It is unfortunate that much of the public discourse around the behaviour of financial advisers is disproportionately focused on remuneration and not the role of industry culture and norms,” he said.

“If a culture is unsound then a remuneration structure won’t fix it but if a culture is sound, the remuneration structure shouldn’t matter much.

“It is critical that any reform agenda addresses the real problems and enacts real change to avoid unnecessarily increasing business costs, which means higher costs to consumers.”

Mr Martin added that sensible public policy should encourage and facilitate the purchase of appropriate life insurance coverage by more Australian households.

“It should also promote sound, sustainable business management. Today’s commission debate forgets that variable remuneration structures link ‘costs’ to ‘income’ or ‘success’ and allow businesses to better manage their revenue and profitability,” Mr Martin said.

“The current upfront commission structure is widely-accepted, economically rational and reflects what consumers actually want.”

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ClearView has argued its case for life insurance commissions, saying additional changes to adviser remuneration will not lift advice quality and will only drive up costs.

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