A mortgage broker has six ways to handle a client's life insurance, and the most common one is to do nothing at all. What Standards 3 and 12 of the adviser Code of Ethics say about reciprocal referral arrangements, why applications stall before an insurer ever decides, and what a broker should look for in an adviser.

A first-person account of booking a MoleMap full-body skin check with the 50% AIA Vitality discount code: what the $139.50 covered, who actually performs the scan, who reads the images, and why the photographic baseline was the part worth paying for. Results still pending.

Real Insurance publishes at least three separate life insurance PDSs, and the same defined term does not mean the same thing across them. What each document states, with page references, and how the same clauses read in four adviser-distributed products.