Clients often ask what the difference is between getting a policy though an Adviser or directly from an insurer or phone-sales desk. Recently the governing body (APRA) reported that personal insurance holders with an Adviser are more likely to receive pay-outs than non-advised policyholders. Below, Table 1, shows that in most cases, Advisers have been able to help their clients through traumatic times and the client has received a better outcome: Table 1: Note - DII is Disab