{"id":79721,"date":"2025-10-17T15:14:00","date_gmt":"2025-10-17T04:14:00","guid":{"rendered":"https:\/\/riskinfo.com.au\/news\/?p=79721"},"modified":"2025-10-17T15:15:01","modified_gmt":"2025-10-17T04:15:01","slug":"advised-life-insurance-disputes-on-the-ris","status":"publish","type":"post","link":"https:\/\/riskinfo.com.au\/news\/2025\/10\/17\/advised-life-insurance-disputes-on-the-ris\/","title":{"rendered":"Advised Life Insurance Disputes on the Rise"},"content":{"rendered":"<p>Complaints from advised clients about insurers\u2019 claims decisions increased in the first half of the year, according to the <a href=\"https:\/\/www.apra.gov.au\/life-insurance-claims-and-disputes-statistics\" target=\"_blank\" rel=\"noopener\">latest data from APRA.<\/a> The rise follows a downturn in complaints lodged with the regulator during last year&#8217;s June and December quarter.<\/p>\n<p>In the 12 months to 30 June there were 166 recorded disputes over death claim decisions made by the country\u2019s 16 life insurers with Zurich (which includes Zurich and OnePath brands) topping the list at 79.<\/p>\n<p>Others included:<\/p>\n<ul>\n<li>TAL: 27<\/li>\n<li>AIAA: 24<\/li>\n<li>MLC: 15<\/li>\n<li>RLA: 12<\/li>\n<\/ul>\n<p>Of the total, 148 disputes were resolved, 57 closed with the original decision unchanged, and 84 ended with the insurer\u2019s original decision being reversed.<\/p>\n<figure id=\"attachment_79723\" aria-describedby=\"caption-attachment-79723\" style=\"width: 1344px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-79723\" src=\"https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am.png\" alt=\"Disputes - Individual advised June 2018 to June 2025. Data and graph \/ APRA.\" width=\"1344\" height=\"866\" srcset=\"https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am.png 1344w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-300x193.png 300w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-1024x660.png 1024w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-768x495.png 768w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-696x448.png 696w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-1068x688.png 1068w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-9.42.00-am-652x420.png 652w\" sizes=\"auto, (max-width: 1344px) 100vw, 1344px\" \/><figcaption id=\"caption-attachment-79723\" class=\"wp-caption-text\">Claims have increased in the first half of 2025 following a reduction in the previous 12 months. Data and graph \/ APRA.<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>With regard disputes over TPD by individual advised clients, there were 868 complaints to insurers, with 649 resolved, 31 decisions reversed, and 214 were unchanged.<\/p>\n<p>In addition there were 412 disputes over trauma claims by advised clients, of which 336 were resolved, 172 decisions remained unchanged, and 15 saw the insurers\u2019 original decision reversed.<\/p>\n<figure id=\"attachment_79724\" aria-describedby=\"caption-attachment-79724\" style=\"width: 1358px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-79724\" src=\"https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am.png\" alt=\"\" width=\"1358\" height=\"694\" srcset=\"https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am.png 1358w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-300x153.png 300w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-1024x523.png 1024w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-768x392.png 768w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-696x356.png 696w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-1068x546.png 1068w, https:\/\/riskinfo.com.au\/news\/files\/2025\/10\/Screenshot-2025-10-16-at-10.15.16-am-822x420.png 822w\" sizes=\"auto, (max-width: 1358px) 100vw, 1358px\" \/><figcaption id=\"caption-attachment-79724\" class=\"wp-caption-text\">The downward trend continues in individual advised reversed decisions. Data and graph \/ APRA.<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Complaints from advised clients about insurers\u2019 claims decisions increased in the first half of the year, according to the latest data from APRA. The rise follows a downturn in complaints lodged with the regulator during last year&#8217;s June and December quarter. In the 12 months to 30 June there were 166 recorded disputes over death [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":79729,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8294,8],"tags":[],"class_list":{"0":"post-79721","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-claims","8":"category-compliance-regulation"},"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/79721","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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=79721"}],"version-history":[{"count":0,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/79721\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/79729"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=79721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=79721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=79721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}