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Thanks Ian - the real argument? Come back with your analysis when you have arranged a payment of $412000 trauma (anal cancer) claim for your client after in-force for only 18 months; no fee for the 6 months of claim processing (because it was inside the 3-years ND), but yes we got paid with upfront commission and only 1-year renewal. You may be sick of the commission argument, but I for one am sick and tired of being demonized by sanctimonious and virtuous commentators(including advisers)/bureaucrats and politicians who haven't got any idea of what the life risk advisers do for the clients that look after, let alone the nation's finances.