Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 The channel through which life insurance is purchased affects whether a claim is admitted. APRA's 2026 Life Insurance Claims and Disputes Statistics — the authoritative Australian regulator's annual measure of claims handling across the retail life insurance market — reports admitted claim rates consistently higher for adviser-placed policies than for direct or online policies across ev

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated September 2026 Encompass Protection is not a standalone insurer — it is a retail life insurance product, launched in April 2022, with three companies behind the one name. The policy is issued and the claims are paid by Acenda (the rebranded MLC Life Insurance, whose legal entity is Nippon Life Insurance Australia and New Zealand Limited, AFSL 230694); the everyday administrati

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 · Updated September 2026 ClearView is an Australian-owned, ASX-listed specialist life insurer (ASX: CVW) that distributes advised life-risk products — its ClearChoice range — through financial advisers. It is a boutique-scale insurer, holding around 3.9% of the retail advised life market and A$412.9 million of in-force premium at 30 June 2025 (ClearView Wealth, 2025). In February 2026,