Guaranteed renewal, gone....multiple PDS upgrades per annum....removal of IP on lump sum (TPD) claim.

All little chestnuts in some industry fund policies.

Comprehensive policies with commission cheaper than some industry policies with much worse T&C's/lower ratings for the client.

Default cover at 20% of the family debt and one income earner.

Nah, there's nothing wrong with group cover, especially by the ISA.