I'm not sure if you understand what TC is, they're not...

I'm not sure if you understand what TC is, they're not commission. TC is for the lifetime of the product, a perpetual revenue share of the policy, naturally the premium increase in value over time as people get older, unless the policy is terminated. When Freedom sells a product, it also gets one-time up-front commission which covers its costs of acquiring that policy. In FY18 they increased TC by $30m and got an additional $30m commission for doing so.

I'm going to answer your question with an excellent blog from Forager's, basically when it comes to difficult decisions people choose the default option, for example in a questionnaire whether people would like to participate in organ donation, the majority choose the default option regardless whether its "opt-in" or "opt-out". Take AMP, they had the worst year of PR in its history, yet its market share for superannuation declined only 0.4% from 25.9% to 25.4%. Its not people don't care about the Royal Commission, they do but most people just don't do anything about it. So do I think they will get 50% of their TC composed mostly of funeral insurance, imo yes.