Michael joined ClearView in June 2023 as Strategic Transformation Program Director, leading critical technology projects including the delivery of a single Policy Administration System. He replaces Hicham Mourad as Chief Technology Officer, who resigned to pursue external interests and left on October 18, 2024.

Ash joined ClearView in January 2014 as Appointed Actuary and has been ClearView’s Appointed Actuary for more than 10 years. He has been formally appointed to the Executive Leadership Team in recognition of his commitment and valued business outcomes achieved during this time.

Judilyn joined ClearView in November 2019 as ClearView’s General Counsel. With the exit of the Wealth business in its final stages and a focus on the core Life Insurance business, ClearView has consolidated the Legal, Company Secretarial, and Risk and Compliance functions. Judilyn has been promoted to lead this expanded division as General Counsel and Chief Risk Officer.

ClearView Managing Director, Nadine Gooderick, said: “As a life-only company, our business strategy and our priorities are clear, and our technology and business transformation, and regulatory matters, remain top priorities for us. In executing on our strategy and simplifying our business, it makes sense to consolidate our Legal and Risk teams.

“I am also proud that we continue to advance top talent from within. These appointments recognise the hard work and dedication of these colleagues and are a testament to our commitment to fostering the growth and development of our employees.”

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The 2023 ReCALIbrate recipients are:

• Kirsten Genter, Zurich Assure
• Asha Burrows, Platinum Partners
• Azaria Bell, Skye Wealth
• Trish Gregory CFP^R, Fox and Hare Financial Advice
• Adele Martin, Adele Martin – Money Mentor

“CALI is committed to supporting a vibrant and sustainable industry and address the decreasing number of financial advisers in Australia. ReCALIbrate aims to promote more diversity among financial advisers so that consumers receive appropriate advice that is relevant to them. CALI is pleased to provide these grants to five deserving and inspirational women. We are confident that the ReCALIbrate recipients will find the FAAA Congress engaging and informative and will leverage their knowledge for the benefit of their clients and team members,” said Christine Cupitt, Chief Executive Officer at CALI.

“Through research conducted by CALI on behalf of our members, it is clear that women have unique advice needs and having a financial adviser that understands their circumstances and needs is crucial to effective and impactful advice,” said Ms. Cupitt.

CALI Board Member and Managing Director of Clearview Wealth Limited, Nadine Gooderick, said “Risk specialists have an important role in the life insurance ecosystem, so it is important that we foster the next generation of talent. This will ensure that consumers understand their life insurance needs, secure adequate cover and, at claim time, get benefits paid. Women have historically been under-represented in our industry and at industry conferences more broadly, which are important events for education, network and inspiration.”

“With a shared desire to encourage engagement among female financial risk advisers and foster the next generation of female talent, we are pleased to support CALI’s ReCALIbrate program. We look forward to welcoming the ReCALIbrate recipients to the FAAA Congress in November,” said Sarah Abood, Chief Executive Officer at the Financial Advice Association Australia.

To ensure women continue to engage with the industry and benefit beyond the event, each ReCALIbrate recipient will be paired with a senior female life insurance industry leader and have the opportunity to have two in-person or virtual meetings. The purpose of these meetings will be to provide a forum for mentorship, learning, support and advice.

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Leong has over 20 years’ financial services experience in both Australia and the UK, and was most recently Executive Business Manager to the Group Executive, Retail Banking and CEO ME Bank at BOQ.

Prior to that, she held a number of senior positions at Westpac Group including Strategy and Business Manager to the General Manager, Platforms and Investments at Westpac subsidiary, BT Financial Group.

In her role at ClearView, Leong will work with the executive leadership team to oversee the execution of the group’s refreshed strategy and business plan. She will provide business management and advisory support to the leadership team.

“Sharon is a respected financial services leader with extensive experience in strategy and business planning,” Ms Gooderick said.

“She has excellent organisational, communication and stakeholder management skills, and will help drive strategic outcomes as we work towards achieving our FY26 goals.”

Ms Leong said: “ClearView is a dynamic company that has gone through a period of simplification and transformation, and continues to grow and expand. I am excited to be joining the business at this pivotal stage of its journey to support Nadine and the leadership team”.

Leong holds two bachelor degrees: Commerce and Law (Hons), as well as CPA qualification.

As at 30 June 2023, ClearView had $305.9 million in inforce life insurance premiums. In FY23, the group reported a 41% increase in underlying net profit after tax of $36.5 million and a 25% increase in new business to $25.2 million.

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Christine Cupitt

On 6 September 2023, the Council of Australian Life Insurers (CALI) launched ReCALIbrate: a chance for women to reshape life insurance. The inaugural program will provide $2,000 grants to five mid-career, female financial risk advisers to attend the Financial Advice Association Australia (FAAA) Congress on 20-22 November 2023 in Adelaide.

“CALI believes it is important to play our part to foster the next generation of female financial risk advisers to ensure a strong pipeline of talent and leadership while also addressing the decreasing number of financial advisers in Australia. CALI is passionate about finding ways to make life insurance more inclusive so that our industry reflects the community we serve,” said Christine Cupitt, Chief Executive Officer at CALI.

“Men outnumber women at industry conferences for many reasons, including juggling family and carer responsibilities with day-to-day work. We want to do more to create opportunities for women in our industry,” said Ms Cupitt.

CALI Board Member and Managing Director of Clearview Wealth Limited, Nadine Gooderick, said “risk specialists play an important role in helping people understand their life insurance needs, secure adequate cover and, at claim time, get benefits paid. Women have traditionally been under-represented in financial services but that is gradually changing and we want to do our part to encourage women to pursue a career in risk advice and foster a diverse, inclusive industry.”

“We applaud CALI’s ReCALIbrate initiative and have a shared desire to encourage engagement among female financial risk advisers and foster the next generation of female talent. We look forward to welcoming the ReCALIbrate recipients to the FAAA Congress in November,” said Sarah Abood, Chief Executive Officer at the Financial Advice Association Australia.

To ensure women continue to engage with the industry and benefit beyond the event, each ReCALIbrate recipient will be paired with a senior female life insurance industry leader and have the opportunity to have two in-person or virtual meetings. The purpose of these meetings will be to provide a forum for mentorship, learning, support and advice.

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In her new role, Faglioni, who originally joined ClearView from Zurich Australia in December 2021 as Chief Claims Officer, will be responsible for overseeing and driving improvements across administration and operational functions including underwriting, claims and rehabilitation.

Kulikov, who joined ClearView from Reinsurance Group of America (RGA) in March 2021 as Head of Life Insurance Product and Pricing, will see his role expanded to include data and analytics, in addition to product and pricing. He will also work closely with ClearView’s Appointed Actuary Ash Bhalerao to manage the group’s reinsurance responsibilities.

Both Faglioni and Kulikov will report to Nadine Gooderick, ClearView Managing Director.

“Joanne is the ideal person to help ensure we achieve our strategic objectives around optimising business processes and maximising operational efficiencies,” Gooderick said.

“Over the last 18 months, Joanne has built and managed a high performing team, refreshed our customer claims journey and delivered improved end-to-end claims management outcomes. She is a highly respected professional who brings a depth of experience to the ELT.

On Kulikov’s appointment, Gooderick said: “Nick spearheaded the launch of our flagship product series, ClearView ClearChoice, in September 2021 and recently oversaw a range of product enhancements, which have been well received by financial advisers”.

“Nick’s knowledge and experience spans the entire life insurance value chain and I look forward to working more closely with him.”

In other changes, Hicham Mourad, who has served on ClearView’s executive leadership team since 2020, has been appointed Chief Technology Officer in recognition of his increased responsibilities.

Mourad joined ClearView from BT Financial Group, originally as General Manager, Information Technology before being seconded to head the group’s Policy Administration System (PAS) Transformation Project last year.

With that project largely complete, Mourad’s role has been broadened to include accountability for the delivery of the group’s technology roadmap and other key strategic initiatives.

“With life insurance market conditions improving and regulatory tailwinds on the horizon, there is a unique opportunity for ClearView to accelerate our transformation and growth,” Gooderick said.

“We have a strong leadership team with the right mix of skills, expertise and experience to take the business into the future.”

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After a year in development, ClearView has also released details of its new life insurance platform, the cornerstone of the group’s multi-year transformation program.

To be officially launched in October, with additional functionality to be delivered in stages, the platform will be the central point for advisers to access ClearChoice and engage with ClearView.

According to Simon Swanson, ClearView Managing Director, ClearChoice is a next generation life insurance product that addresses shortcomings in existing solutions and aims to meet the evolving needs of customers, advisers and regulators by retaining the features and benefits that matter most without the add-ons that increase cost but don’t deliver exceptional value.

“The market is resetting and ClearView, as an organisation, is resetting. We have redesigned our core life insurance product and we have also ramped up our investment in technology to help ensure that we continue to meet the evolving needs of advisers and customers,” he said.

“All retail life insurance companies are required to redesign and reprice their life insurance products to address the sustained underperformance of income protection, and ClearView has taken this opportunity to invest in our technology at the same time to ensure that our products are fit-for-purpose and we remain easy to do business with.”

ClearChoice Income Protection offers two base structures to choose from: IP and IP Flex. IP pays up to 60% of pre-disability income to age 65. With IP Flex, this increases to 70% of pre-disability income for the first two years of a claim. This can be extended to age 60 by selecting the Extended Income Support Option for those who need a higher level of ongoing cover.

Customers can also select the Booster option, which increases the benefit amount by an additional 20% for the first six months of a claim.

In total, ClearChoice Income Protection offers nine built-in benefits, four optional extras and a TPD lump sum option for no additional cost.

This highlights the product’s flexible design which provides greater support to customers when they need it the most while seeking to improve premium affordability and stability.

Nadine Gooderick, ClearView General Manager, Transformation said the October launch of ClearChoice on the group’s new life insurance platform would be a major milestone in ClearView’s transformation journey.

“The volume and pace of change in financial services in recent years has been unparalleled and to keep pace ClearView is committed to investing in systems and technology,” she said.

“The cornerstone of our transformation program is an integrated life insurance platform which includes a new adviser and customer portal, policy administration system, and underwriting rules engine.”

As part of the launch of ClearChoice on ClearView’s new life insurance platform, advisers will have access to educational content, explainer videos and client-facing tools to accelerate learning.

Mr Swanson said ClearView was ideally positioned to help advisers navigate the maze of new products set to hit the market.

“As more life companies release their products, the biggest changes will be to income protection insurance. We can expect to see transparent solutions with more moderate features, tighter terms and a greater focus on recovery to foster the product’s long-term sustainability,” he said.

“As a nimble organisation with strong financial advice relationships, ClearView is ideally positioned to respond quickly to developments and support advisers to understand the changes and what they mean for clients.”

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