That's what happens when you introduce LIF & expect life brokers to onboard new policies for next to nothing. Plus force Life Brokers to sit a FASEA exam, most of which has very little to do with being a Life Broker. So it should come as no surprise that very little new cleanskin business is being written, & the system falls over. So you just end up with a whole lot of high risk group cover instead. The UK & NZ experience shows this very clearly. It's time to start listening to the Life Brokers, and to tell CHOICE, the Union Super Funds & the Canberra bureaucrats in APRA to take a hike.