Article list

Everything from AdviserVoice - This Risk article is proudly brought to you by Zurich

Adviser briefing – genetic testing in life insurance

From AdviserVoice - This Risk article is proudly brought to you by Zurich

2022 review of life insurance genetic testing moratorium In June 2022, Australia’s life insurers announced[1] their intention to cease their membership of the Financial Services Council (FSC) and form a

continue reading

29 Jul 2022

Risk advice – An 8-point guide to better field underwriting and better client outcomes

From AdviserVoice - This Risk article is proudly brought to you by Zurich

Field underwriting leads to better customer outcomes Field underwriting, in simple terms, is the information gathering and screening of risk advice clients, done by a financial adviser before an application

continue reading

29 Jun 2022

Getting smarter about TPD – strategies to cut costs and avoid a claim time tax bomb

From AdviserVoice - This Risk article is proudly brought to you by Zurich

TPD: truth, tips, and tax Total and Permanent Disablement TPD cover is one of the most misunderstood types of life insurance cover, decried by many as being complicated, too costly,

continue reading

23 May 2022

Carpe Diem – The time is right to start your own risk advice renaissance

From AdviserVoice - This Risk article is proudly brought to you by Zurich

The opportunity One of the more notable aspects of the recent and substantial decline in adviser numbers has been the disproportionately large reduction in risk specialists. Investment Trends data[1] from

continue reading

19 Apr 2022

Make your advice irresistible, and your clients will reap the rewards

From AdviserVoice - This Risk article is proudly brought to you by Zurich

It’s easy to take a ‘glass half empty’ perspective when surveying the current landscape of financial advice; Increasing cost pressures, falling adviser numbers, a regulatory tsunami that politicians on both

continue reading

17 Mar 2022

IDII changes – rethinking the role for trauma in risk strategies

From AdviserVoice - This Risk article is proudly brought to you by Zurich

Since its introduction to the Australian market over 20 years ago, trauma (aka crisis or critical illness) cover has become an important part of the life insurance product universe. Designed

continue reading

25 Oct 2021

APRA IDII changes – Why ‘new era income protection’ needs ‘new era advice’

From AdviserVoice - This Risk article is proudly brought to you by Zurich

Introduction The multibillion-dollar losses experienced by individual Disability Income Insurance (IDII) contracts over the last few years, and the resultant ‘sticker shock’ level of premium increases needed to shore up

continue reading

06 Oct 2021

Commercialising a therapeutic approach to financial advice

From AdviserVoice - This Risk article is proudly brought to you by Zurich

In an earlier article, Why are you so happy? Explaining the wellbeing effects of financial advice, we examined the ways financial advice – and the financial advice process itself –

continue reading

19 Aug 2021

Why are you so happy? The wellbeing effects of financial advice and what they mean for Advisers

From AdviserVoice - This Risk article is proudly brought to you by Zurich

Fact: People who have received financial advice are happier than those who haven’t. You wouldn’t know it – given the media’s laser-like focus on the negative – but the financial

continue reading

09 Aug 2021

The pool’s lovely, come on in! An essential guide to life insurance underwriting in Australia

From AdviserVoice - This Risk article is proudly brought to you by Zurich

The gatekeeper to the pool In an earlier article we explained risk pooling, a foundational concept in insurance. By aggregating together people with similar risks, those risks can be spread.

continue reading

11 Dec 2020

FIRST 123 4 5 LAST

Earn CPD Points

CPD: The Two-Chapter retirement – a framework for understanding retiree psychology
Introduction Why do financially secure retirees still hesitate to spend, or commit to strategies that would clearly improve their outcomes? This article sets out the Two-Chapter Retirement framework, a new [...]
CPD: China’s next phase – what persistent supply-side growth means for global markets
China’s economic trajectory is shifting, but not in the way many had once expected. Consumption-led rebalancing has not materialised. Instead, economic policy continues to emphasise industrial modernisation, aligned with a [...]
CPD: Ethics and client best interests
In financial advice, acting in a client’s best interest isn’t just a regulatory rule, it’s the foundation of a trusting, successful partnership. This article, proudly sponsored by GSFM, examines the [...]
CPD: Capitalising on global growth in the decarbonisation era
Few themes rival the scale, urgency and long-term significance of climate change. Consequently, regions, countries, companies and individuals are taking positive action to decarbonise the planet and work toward net [...]
CPD: Decoding the compliance signals within AFCA’s Lead Decisions
Introduction In February 2026, the Australian Financial Complaints Authority (AFCA), reached a significant milestone when it issued its 1,000th Dixon Advisory determination[1]. Up until that point, this represented the single [...]