{"id":56633,"date":"2021-07-13T09:32:09","date_gmt":"2021-07-12T23:32:09","guid":{"rendered":"https:\/\/riskinfo.com.au\/news\/?p=56633"},"modified":"2024-10-30T08:44:47","modified_gmt":"2024-10-29T22:44:47","slug":"latest-poll-9","status":"publish","type":"post","link":"https:\/\/riskinfo.com.au\/news\/2021\/07\/13\/latest-poll-9\/","title":{"rendered":"Latest Poll &#8211; Reviewing Clients&#8217; Death\/TPD Cover"},"content":{"rendered":"<div id=\"polls-258\" class=\"wp-polls\">\n\t\t<div class=\"pollHeader\"><strong>Should you regularly review your clients' Death &amp; TPD cover even if no significant changes have occurred?<\/strong><\/div><div id=\"polls-258-ans\" class=\"wp-polls-ans\"><ul class=\"wp-polls-ul\">\n\t\t<li>Yes <small>(50%)<\/small><div class=\"pollbar\" style=\"width: 50%\" title=\"Yes (50% | 63 Votes)\"><\/div><\/li>\n\t\t<li>It depends <small>(33%)<\/small><div class=\"pollbar\" style=\"width: 33%\" title=\"It depends (33% | 41 Votes)\"><\/div><\/li>\n\t\t<li>No <small>(17%)<\/small><div class=\"pollbar\" style=\"width: 17%\" title=\"No (17% | 21 Votes)\"><\/div><\/li>\n\t\t<li>Not sure <small>(0%)<\/small><div class=\"pollbar\" style=\"width: 1%\" title=\"Not sure (0% | 0 Votes)\"><\/div><\/li>\n\t\t<\/ul><div style=\"text-align: center\"><\/div><\/div>\n\t\t<input type=\"hidden\" id=\"poll_258_nonce\" name=\"wp-polls-nonce\" value=\"230546d015\" \/>\n<\/div>\n\n<p>Advice processes are under the microscope in our latest poll as we ask you to reflect on how often and under what circumstances your advice practice reviews your clients&#8217; death and TPD cover.<\/p>\n<p>The question stems from a recent article we published from The Astute Wheel&#8217;s Hans Egger, in which Egger suggests there&#8217;s a strong argument for death and TPD insurance to be reviewed more regularly &#8211; even if no significant changes have occurred in the client&#8217;s circumstances (see: <a href=\"https:\/\/riskinfo.com.au\/news\/2021\/07\/01\/are-you-at-risk-if-you-dont-regularly-review-your-clients-life-insurance\/\" target=\"_blank\" rel=\"noopener\">Are You at Risk&#8230;?<\/a>).<\/p>\n<p>The following table articulates Egger&#8217;s argument, in which he suggests that as each year progresses, there are some expense items in the client&#8217;s insurance analysis that will reduce or drop off, even when no significant changes have occurred:<\/p>\n<p><a href=\"https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-56639\" src=\"https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart.png\" alt=\"\" width=\"1944\" height=\"619\" srcset=\"https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart.png 1944w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-300x96.png 300w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-1024x326.png 1024w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-768x245.png 768w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-1536x489.png 1536w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-696x222.png 696w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-1068x340.png 1068w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-1920x611.png 1920w, https:\/\/riskinfo.com.au\/news\/files\/2021\/07\/210713-Latest-Poll-Chart-1319x420.png 1319w\" sizes=\"auto, (max-width: 1944px) 100vw, 1944px\" \/><\/a>Does this approach reflect your own? Does it change your mind to any extent? How do you usually set about determining the circumstances under which you should review your clients&#8217; death and TPD cover? Does it simply distil to a case-by-case basis? What&#8217;s your formula?<\/p>\n<p>Let us know what you think and we&#8217;ll report back next week.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Advice processes are under the microscope in our latest poll as we ask you to reflect on how often and under what circumstances your advice practice reviews your clients&#8217; death and TPD cover. The question stems from a recent article we published from The Astute Wheel&#8217;s Hans Egger, in which Egger suggests there&#8217;s a strong [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":56641,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[49,4474],"tags":[],"class_list":["post-56633","post","type-post","status-publish","format-standard","has-post-thumbnail","category-polls","category-practice-management"],"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/56633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=56633"}],"version-history":[{"count":0,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/56633\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/56641"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=56633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=56633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=56633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}