Financial strength rating: A+, 5. This benefit enables the policy to keep up with inflation. You need at least a Single Account to use this feature. 65 Ibid. ", Insurance Information Institute, Leading non-life insurance companies in Australia in 2015, by gross premiums written (in billion U.S. dollars) Statista, https://www.statista.com/statistics/408355/leading-nonlife-insurance-companies-australia/ (last visited July 29, 2022), Leading non-life insurance companies in Australia in 2015, by gross premiums written, Available to download in PNG, PDF, XLS format, Insurance group fee according to premiums issued for direct insurance Spain 2020, Life insurance premiums issued in the Spanish market 2008-2020, Non-life insurance premiums issued in the Spanish market 2008-2019, Health insurance premiums issued in the Spanish market 2005-2020, Vehicle insurance premiums issued in the Spanish market 2008-2020, Accident insurance premiums issued in the Spanish market 2008-2020, Liability insurance premiums issued in the Spanish market 2005-2020, Benefits paid out through life insurance Spain 2010-2019, European insurance market: total non-life claims paid in Spain 2004-2018, Benefits paid in the health insurance market Spain 2010-2019, Benefits paid out through motor insurance Spain 2010-2019, Benefits paid out through accident insurance Spain 2010-2019, Claims paid on the Spanish general liability insurance market 2010-2018, Assets of insurance groups on the GDP of Spain 2010-2017, Global investment portfolio of insurance groups Spain 2012-2020, Investment portfolio of life insurance groups in Spain 2012-2020, Investment portfolio of non-life insurance groups in Spain 2012-2020, Leading non-life insurance companies in Argentina 2015, by gross written premiums, Leading non-life insurance companies in Russia 2015, by gross premiums written, Leading nonlife insurance companies in China 2017, based on premium income, Leading non-life insurance companies in South Africa 2014, by gross premiums written, Leading non-life insurance companies in Chile 2015, by gross written premiums, Leading non-life insurance companies in Mexico 2015, by gross premiums written, Leading non-life insurance companies in Canada 2015, by gross written premiums, Leading non-life insurance companies in Singapore 2014, by gross premiums written, Leading non-life insurance companies in Brazil 2015, by gross written premiums, Leading non-life insurance companies in Japan 2016, based on gross premiums written, Largest non-life insurance companies in India 2014, by gross written premiums, Leading non-life insurance companies in Thailand 2015, by gross premiums written, Leading non-life insurance companies in Hong Kong 2015, based on gross premiums, Leading non-life insurance companies South Korea 2020, by direct premiums written, Insurance premiums written in Chile 2017, by type, Insurance premiums written in Thailand 2015, by type, Insurance premiums written in India 2014, by type, Private health insurance in the United States, Leading non-life insurance companies in Australia in 2015, by gross premiums written (in billion U.S. dollars), Find your information in our database containing over 20,000 reports, Find a brief overview of all Outlooks here, Tools and Tutorials explained in our Media Centre. Other third-party content, logos and trademarks are owned by their perspective entities and used for informational purposes only. Use Ask Statista Research Service, Leading insurance companies by non-life premiums in Spain in 2020, Ranking of insurance groups according to insurance premiums issued in Spain 2020, Largest life insurance companies Spain 2020, Spain: financial and insurance activities sector as a percentage of GDP 1995-2020. 67 Ibid. 48 New York State Department of Financial Services, DFS issues final life insurance and annuity suitability and best interests regulation protecting consumers from conflicts of interest, Press release, July 18, 2018. Deloitte has extensive experience in assisting firms of all sizes deal with the governance and compliance issues raised by IFRS to achieve best practice. The company is currently closed to new policies, according to Victoria-based brokerage firm Insurance Watch. Financial strength rating: A+, 3. 4 Deloitte Center for Financial Services analysis of consolidated industry results from S&P Global. Sovereign Wealth Fund Institute (SWFI) is a global organization designed to study sovereign wealth funds, pensions, endowments, superannuation funds, family offices, central banks and other long-term institutional investors in the areas of investing, asset allocation, risk, governance, economics, policy, trade and other relevant issues. Accessed July 29, 2022. https://www.statista.com/statistics/408355/leading-nonlife-insurance-companies-australia/, Insurance Information Institute. Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. 55 Insurance Information Institute, A firm foundation: How insurance supports the economy, website, accessed 2018. 3Neil Spector and Robert Gordon, Property/Casualty Insurance Results: 2017, ISO/PCI, May 14, 2018. 1. Currently, you are using a shared account. Claim accepted rate: Finalised claims too small to provide a reliable result
Registration on or use of this site constitutes acceptance of our terms of use agreement which includes our privacy policy. This provides a lump-sum payment should the policyholder die because of an accident during their policy assessment. 68 2021 countdown underway: Insurers prepare for IFRS 17 implementation, Deloitte China, 2018. DTTL and each of its member firms are legally separate and independent entities. 7 Losses from natural disasters at 13-year low in H1 Munich Re, Reuters, July 11, 2018. This message will not be visible when page is activated. Claims statistics are for life cover policies taken out through financial advisers and brokers calculated using an online tool from the Australian Securities & Investments Commissions (ASIC) consumer channel MoneySmart. To use individual functions (e.g., mark statistics as favourites, set 34 Kevin Sharps, Chin Ma, Michele van Rensburg, and Nikias Stefanakis, Embracing digital disruption: Consumer buying preferences and life insurance in a digital age, Deloitte Insights, August 2018. Please see, Global investment and innovation incentives, Infrastructure, Transport & Regional Government, Telecommunications, Media & Entertainment, Economic growth helps insurers, reinsurers in 2018, Property/Casualty Insurance Results: 2017, World insurance in 2017: Solid, but mature life markets weigh on growth, Losses from natural disasters at 13-year low in H1 Munich Re, RAA releases underwriting results for first six months of 2018, LIMRA Secure Retirement Institute forecasts total annuity sales to improve through 2019, Retirement bills in Congress could alter 401(k) plans, Canadian firms to shed billions in pension risk this year, LIMRA reports strong pension buy-out activity in 2018, Vanguard warns of worsening odds for the economy and markets, Whats the yield curve? Market share: 5.6%
Financial strength ratings are taken from Standard & Poors (S&P). Applications are now open for our award-winning student programs to shape your future. Premium prices of a life insurance policy depend on a range of factors that determine how likely a person will make a claim. Generally, the diagnosis needs to be confirmed by two independent medical specialists. In, Insurance Information Institute. There was an error. To receive an advance payout, the policyholders family must provide the insurer a valid death certificate and full claim forms. The purpose of life insurance is to provide the policyholder and their families some level of financial protection should the life insured get seriously ill, become disabled, or pass away. 2008-2022 Sovereign Wealth Fund Institute. Liability limited by a scheme approved under Professional Standards Legislation. Cloud adoption in insurance: Trends and issues, Novarica, March 2018. On the other hand, if youre able to start with higher premiums, which dont increase every year due to your age, then a company offering level premiums might be better.. Do not delete! As soon as this statistic is updated, you will immediately be notified via e-mail. Additionally, we may have updated information that is not yet reflected in this table. You only have access to basic statistics. The California Consumer Privacy Act of 2018, Assembly Bill 375, Chapter 55, State of California, June 29, 2018. A powerful indicator of recessions has Wall Streets attention, CFO Insights Cloud computing: Resolving some sticky questions, How Allstate boosted developer productivity by 350 percent with the cloud, InsureCloud: On-Demand Insurance Platform, Finding the killer cloud-based machine learning applications, AIA Hong Kong debuts blockchain bancassurance solution, Hong Kong blockchain motor insurance project in the works, Insurers looking to continue hiring in very competitive labor market, Embracing digital disruption: Consumer buying preferences and life insurance in a digital age, On-demand insurance agency Trv expands into U.S., launches in Arizona, Bought by Many expands niche insurance role, Insurance giant Liberty Mutual backs Triangle startup offering drone insurance, other insurtech, The Hartford signs agreement to acquire Navigators, a global specialty underwriter, Hartford to sell run-off life, annuity business for $2.05 billion, AmFam and Main Street America announce merger plans, InsurTech entering its second wave: Investment focus shifting from new startups to more established innovators, Our Mission 2017: How we regulate financial services, DFS issues final life insurance and annuity suitability and best interests regulation protecting consumers from conflicts of interest, Fidelity one-ups Vanguard, Schwab and iShares, becoming first company to offer a no-fee index fund, Voice of the annuities consumer: Exploring innovative approaches to accelerate annuities market growth, Economic impact of cybercrime No slowing down, A firm foundation: How insurance supports the economy, US cyber market update: 2017 US cyber insurance profits and performance, Cyber insurance market to double by 2020, says Munich Re, Cyber insurance market watch survey: Executive summary, 2021 countdown underway: Insurers prepare for IFRS 17 implementation, Tax Policy Reforms 2018: OECD and selected partner economies, Latest reports, infographics & case studies. Zurich
To stay logged in, change your functional cookie settings. Register in seconds and access exclusive features. The top 10 issues transforming the future of mining. DTTL (also referred to as Deloitte Global) does not provide services to clients. With the right policy, this type of cover can help families pay off loans and debts, as well as provide them with the financial means to meet daily living expenses. Learn more about how Statista can support your business. 337927). Life insurance works by providing a lump-sum payment to the policyholder if they become terminally ill or suffer a disability, or to their families after they die. Directly accessible data for 170 industries from 50 countries 50 Sam Friedman, Michelle Canaan, and Nikhil Gokhale, Voice of the annuities consumer: Exploring innovative approaches to accelerate annuities market growth, Deloitte University Press, 2015. Claims accepted rate: 96.6%
All material subject to strictly enforced copyright laws. If you are an admin, please authenticate by logging in again. Then you can access your favorite statistics via the star in the header. 27 AXA goes blockchain with fizzy, AXA website, September 13, 2017. There are 27 insurers and 11 friendly societies registered with the Australian Prudential Regulation Authority (APRA) that can offer Aussies a range of life insurance policies. Please create an employee account to be able to mark statistics as favorites. 35 On-demand insurance agency Trv expands into U.S., launches in Arizona, Insurance Journal, July 5, 2018. Climate change is one of the biggest shared challenges facing humanity. If youre looking for short-term affordability, a stepped premium style might be best for you, comparison services provider ComparingExpert wrote on its website. 53 Ibid. In November 2021, Resolution Life acquired full ownership of AMP Life. To find the policy that best fits their needs, experts advise those who are looking for the right life insurance plan to review and compare all options available. BT Financial Group
MetLife Insurance
15 Lee Barney, LIMRA reports strong pension buy-out activity in 2018, PlanSponsor.com, August 27, 2018. 54 James Andrew Lewis, Economic impact of cybercrime No slowing down, Center for Strategic and International Studies in cooperation with McAfee, February 21, 2018. Please enable JavaScript to view the site. 10 Ibid. Show publisher information The benefit is usually the lesser of $1 million or the sum insured at the time of application. 21 InsureCloud: On-Demand Insurance Platform, Deloitte, 2018. SWFI is a minority-owned organization. Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (DTTL), its network of member firms, and their related entities. 37 Mindy Hamlin, Insurance giant Liberty Mutual backs Triangle startup offering drone insurance, other insurtech, WRAL TechWire, June 29, 2018. Some insurers also do not provide coverage for loss of life or injuries from extreme sports and other risky hobbies. 38 Ben Dyson, Insurers need to get better at backing new ideas, say startup brokers, S&P Global Market Intelligence, July 16, 2018. The ideal entry-level account for individual users. Of these, the seven largest insurance companies account for almost 90% of the overall market share. 59 Cyber insurance market watch survey: Executive summary, Council of Insurance Agents & Brokers, July 30, 2018. 6. 17 Matt Phillips, Whats the yield curve? Institutional Investor Events - Network, Learn, and Grow, Northwestern Mutual Life Insurance Company, Massachusetts Mutual Life Insurance Company, State Farm Mutual Automobile Insurance Company, Royal London Mutual Insurance Society Limited, American Equity Investment Life Holding Company, California State Compensation Insurance Fund, Korea Industrial Accident Compensation Insurance Fund. This statistic is not included in your account. Fullwidth SCC. 49 Eric Rosenbaum, Fidelity one-ups Vanguard, Schwab and iShares, becoming first company to offer a no-fee index fund, CNBC, August 1, 2018. 2 Deloitte Center for Financial Services analysis of consolidated insurance industry statistics from S&P Global through June 30, 2018. 24 Katherine Noyes, Insurers take to the cloud, Deloitte Insights for CEOs published in the Wall Street Journal, April 30, 2018. 8 RAA releases underwriting results for first six months of 2018, Press release, Reinsurance Association of America, August 21, 2018. A powerful indicator of recessions has Wall Streets attention, New York Times, June 25, 2018. TAL Life Limited
44 Bethan Moorcraft, AmFam and Main Street America announce merger plans, Insurance Business magazine, May 7, 2018. Read all about the services and solutions we offer the Technology, Media & Telecommunications industry. Nomination of beneficiaries: Allows the policyholder to nominate up to five beneficiaries on a non-superannuation policy to receive the payment if a benefit is payable due to the life insureds death. For those who need to seek advice from a financial advisor, this benefit reimburses the cost up to a specific range which may vary between $2,000 and $5,000 depending on the insurance company. Death or injury while taking part in a criminal or illegal activity, as well as those resulting from alcohol and drug abuse are likewise excluded. 2022. Overview and forecasts on trending topics, Industry and market insights and forecasts, Key figures and rankings about companies and products, Consumer and brand insights and preferences in various industries, Detailed information about political and social topics, All key figures about countries and regions, Everything you need to know about Consumer Goods, Identify market potentials of the digital future, Insights into the world's most important technology markets, Health Market Outlook Here are some benefits Australians may want to keep an eye out for, according to North Sydney-based comparison website Life Insurance Direct. Please see About Deloitteto learn more about our global network of member firms. Liability limited by a scheme approved under Professional Standards Legislation. 58 Cyber insurance market to double by 2020, says Munich Re, Advisen Front Page News, published September 9, 2018. A paid subscription is required for full access. 47 Chamber of Commerce of the United States of America et al v. United States Department of Labor; R. Alexander Acosta, Secretary, US Department of Labor, 17- 10238 (Fifth Circuit), filed March 15, 2018. Industry-specific and extensively researched technical data (partially from exclusive partnerships). Facebook: number of monthly active users worldwide 2008-2022, Smartphone market share worldwide by vendor 2009-2022, Number of apps available in leading app stores Q1 2022, Profit from additional features with an Employee Account. With 2019 shaping up to be banner year, longer term challenges like the potential for economic slowdown and ongoing disputes over tariffs and trade rules may cast a shadow on the insurance market outlook. Depending on the insurance provider, this benefit pays out 100% of the death cover in advance if the policyholder is diagnosed with a terminal illness or given less than 12 to 24 months to live. Get full access to all features within our Corporate Solutions. APRA shares annual report on general insurance claims development, APRA reveals number of Aussies with hospital cover in 2021, ASIC releases quarterly enforcement and regulatory update, AFCA swoops for ACCC Deputy Chair as new board member. Deloitte's Insurance Industry Outlook 2019 explores insurance industry trends and strategies to stay competitive amid sustained economic growth. 12 LIMRA Secure Retirement Institute forecasts total annuity sales to improve through 2019, LIMRA Secure Retirement Institute, June 7, 2018. dollars)." Among the factors life insurance buyers need to consider are their income, outstanding debts, living expenses, coverage period, dependents, and assets. AIA Australia Limited
In Australia, life insurance policies are categorised into six main types designed to offer protection from different events that may occur. The list is arranged by the companys share of the market. Technology will continue to transform how we work and live in 2021 and beyond. This allows the policyholder to freeze their premiums, so instead of their stepped premiums increasing each year, their benefit amount will decrease. This benefit ranges from $10,000 to 10% of the sum insured. Howden teams up with Unicorn Risk Solutions, Wotton + Kearney opens eighth Canberra office, Australian TPA giant's new CEO "excited about what lies ahead", Death benefit: Benefit amount is paid after the policyholder dies, Terminal Illness benefit: Early payment of the benefit amount if policyholder is terminally ill, Advanced payment benefit: Advanced payment of 10% of the benefit amount, up to a maximum of $25,000 as soon as death certificate or medical certificate confirming death is received, Repatriation benefit: Advanced payment benefit capped at a maximum of $35,000 if policyholder dies overseas, Death benefit: Pays a lump sum equal to the sum insured if policyholder passes away, Terminal illness: Pays the sum insured in advance if policyholder is diagnosed with a terminal illness, Final expenses: Advances 10% of the sum insured up to a maximum of $25,000 to assist in dealing with immediate financial expenses whilst AIA assesses a death claim, Complimentary family final expenses: Pays the lower of $20,000 or 10% of the sum insured if a policyholders child passes away or is diagnosed with a terminal illness between the ages of 2 and 17, Guaranteed future insurability: Allows policyholder to increase the sum insured for significant personal or business events before age 55, without providing further evidence of health or insurability, Benefit indexation: Automatically increases the sum insured at the policy anniversary each year by the higher of the CPI increase and 5%, and adjusts premiums accordingly, Premium freeze: Allows policyholder to keep their premium the same for the following year by reducing the sum insured amount, Premium and cover pause benefit: Allows policyholders to pause premiums and cover for a period of 3, 6 or 12 months in certain circumstances for eligible policies, Financial planning reimbursement: Pays up to $3,000 to reimburse financial planning advice obtained within 12 months of a claim payment across all policies, Complimentary interim accidental death cover: Pays a lump sum in the event of accidental death occurring while the application is being assessed, applies for up to 90 days from the date of the signed application, Accommodation benefit: Reimburses the accommodation costs incurred by immediate family members while policyholder is confined to a bed more than 100km from their usual place of residence (up to $250 per day for up to 30 days), Counselling benefit: Pays $200 for each session of grief counselling for the policyholder or immediate family member, up to a maximum total value of $1,200 per life insured, Death & terminal illness benefit: Lump sum payment on death or diagnosis of terminal illness, Advancement for funeral expenses: Advance payment of $15,000 towards funeral expenses, Accidental injury benefit: Advance payment of part or all of the death benefit if the life insured suffers a specified accidental injury, Future insurability business benefit: Allows an increase in cover without underwriting if certain business events occur, Inflation protection: Cover will increase every year even without health assessment, unless declined by the policyholder, Future insurability: Allows an increase in cover without underwriting on certain life events, Accommodation expenses: Reimbursement of some travel and accommodation expenses for an immediate family member who travels more than 100km from home to be with the life insured who is confined to bed and requires full-time care, Financial planning advice: Reimburses the cost of advice following a claim payment, up to $3,000, benefit increases to $6,000 if death benefit has been in place for five years or more, Interim cover: Puts some accident cover in place as soon as cover is applied for, as set out in the interim cover terms, Best doctors service: Provides access to some of the leading medical practitioners in the world, Accidental injury benefit: Pays a lump sum benefit if policyholder is injured due to an accident, which results in the total and permanent loss of hands, feet, and eyes within 6 months of the accident, Advance death benefit: Pays a benefit of $20,000 from the life cover lump sum to help loved ones pay for policyholders funeral, Financial planning benefit: Reimburses part of the costs charged by a qualified financial adviser for financial planning services, if the lump sum benefit paid is $100,000 or more, Death benefit: Pays a benefit in the event of the insured persons death, Terminal illness benefit: Pays a benefit, equal to the amount of the death benefit at that time the insured person has a terminal illness, Future insurability benefit: Allows policyholder to increase the death, TPD, and living benefit sum insured on the occurrence of one of the specified personal or business events without further medical underwriting, Death benefit: Pays out 100% of the life cover amount upon the death of the life insured, Terminal illness benefit: Pays out 100% of the life cover amount if a terminal illness is likely to result in death of the life insured within 24 months, Immediate expenses benefit: Advances $30,000 of the life cover amount as an upfront payment as soon as death certificate is received, Indexation: Increases the life cover amount by the greater of CPI and 5% unless policyholder opts out, Involuntary unemployment premium waiver benefit: If the life insured loses their job due to involuntary unemployment, they can request premiums to be waived for up to three months while they are not working, Life events increases feature: Allows the policyholder to apply to increase life cover amount without further medical underwriting in the event of specified personal life and business events. 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You can only download this statistic as a Premium user. 64 Ibid. Which industry firms are blazing a trail in 2022? 16 Jeff Sommer, Vanguard warns of worsening odds for the economy and markets, New York Times, August 10, 2018. Please do not hesitate to contact me. Market share: 27%
Are you interested in testing our corporate solutions? "Leading non-life insurance companies in Australia in 2015, by gross premiums written (in billion U.S. One example of whats not typically covered, at least in the first 13 months after the policy was bought, is suicide. Here are the countrys top life insurance providers. 40 Charles Juniper, 2018 Trends to watch: Insurance, Ovum, October 17, 2017. Insurance Industry Outlook 2019 has been saved, Insurance Industry Outlook 2019 has been removed, An Article Titled Insurance Industry Outlook 2019 already exists in Saved items. This allows the policyholder to increase their level of cover without the need to provide additional medical information. 63 Ibid. Tracking key changes in the automotive industry. Financial strength rating: A-. Insurance Information Institute. Read our latest commentary, opinion-pieces and advice. 32 Contingent and alternative employment arrangements, News release, Bureau of Labor Statistics, June 7, 2018. The level of cover, policy features, and premium structure stepped, level, or hybrid also affect the cost of life insurance. 70 OECD, Tax Policy Reforms 2018: OECD and selected partner economies, OECD Publishing, Paris 2018. 28 Mark Hollmer, Insurers looking to continue hiring in very competitive labor market, Insurance Journal, August 29, 2018. "Leading Non-life Insurance Companies in Australia in 2015, by Gross Premiums Written (in Billion U.S. 43 Maitree Christian, Voya Financial selling certain annuity businesses to investor group, S&P Global Market Intelligence, December 21, 2017. 46 UK Financial Conduct Authority, Our Mission 2017: How we regulate financial services, FCA, 2017. Financial strength rating: A+, .main_content table{border-collapse:collapse;border:#d3d3d3 1px dotted;margin-bottom:0!important;display:block;width:101%;overflow:auto;max-height:640px}.main_content table td,.main_content table th{border:none!important;padding:8px 0 8px 0;font-size:12px;line-height:16px;width:100%;min-width:110px;word-break:break-word;display:block;text-align:left;white-space:normal}.main_content table td p,.main_content table th p{margin:8px!important;font-size:12px!important;line-height:16px!important}.main_content table tr:nth-child(odd),.main_content table tr:nth-child(odd) td{background-color:#ecf8ff}.main_content table thead{width:100%;display:block}.main_content table tr th,.main_content table tr th p{background-color:#012d6b;color:#fff!important}.main_content table tbody{display:block;width:100%}.main_content table tr{display:-webkit-box;display:-moz-box;display:-ms-flexbox;display:-webkit-flex;display:flex;width:100%}.main_content .h1,.main_content h1{font-size:32px}.main_content .h2,.main_content h2{font-size:24px}.main_content .h3,.main_content h3{font-size:18.72px}.main_content .h4,.main_content h4{font-size:16px}.best_container table{border-collapse:collapse;border:#d3d3d3 1px dotted;margin-bottom:0!important;display:block;overflow:auto;width:85%;max-width:700px;margin:auto;max-height:640px}.best_container table td,.best_container table th{border:none!important;padding:8px 0 8px 0;font-size:12px;line-height:16px;width:100%;min-width:110px;word-break:break-word;display:block;text-align:left;white-space:normal}.best_container table td p,.best_container table th p{margin:8px!important;font-size:12px!important;line-height:16px!important}.best_container table tr:nth-child(odd),.best_container table tr:nth-child(odd) td{background-color:#ecf8ff}.best_container table thead{width:100%;display:block}.best_container table tr th,.best_container table tr th p{background-color:#012d6b;color:#fff!important}.best_container table tbody{display:block;width:100%}.best_container table tr{display:-webkit-box;display:-moz-box;display:-ms-flexbox;display:-webkit-flex;display:flex;width:100%}.best_container table td p,.best_container table th p{padding:0!important}@media (max-width:480px){.main_content table td,.main_content table th{font-size:12px;line-height:14px;padding:8px}.main_content table td p,.main_content table th p{margin:8px!important;font-size:12px!important;line-height:14px!important}.best_container table td,.best_container table th{font-size:12px;line-height:14px;padding:8px}.best_container table td p,.best_container table th p{margin:8px!important;font-size:12px!important;line-height:14px!important}}, We're counting down to the 2022 Insurance Business Australia Awards, Partnership part of extension of expertise and presence, Eight-strong team from major law firm joins, APRA and ASIC release latest life insurance claims and dispute figures, Life insurance industry showing signs of recovery APRA, Trade body blames life insurance framework for underinsurance, Australia's biggest supplier of life insurance revealed, ASIC wants to ban telephone sales of life insurance, Worldwide Broker Network CEO lifts lid on talent crunch and commission issues.