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Hi Steve and Gill, I spotted your comments and was compelled to reply. It’s important to note there are two types of commission structures available to insurance brokers/advisers. Steve, the first is as you mentioned with one exception, higher upfront commission with low ongoing commission. The second option is low is upfront commission and higher ongoing commission. Both types of commission are paid by the insurer, not the client. In my opinion, the second option is by far the most client centric model as it promotes a service driven culture rather than a sales driven culture. It’s the commission structure my organisation has used for the past six years. An easy way to find out if your adviser is in it for the long-game is to ask them what their commission structure is. I hope this clears up any confusion around adviser remuneration.