Through personal financial advisors + superannuation presumably....

Through personal financial advisors + superannuation presumably. On reflection, a call centre is hardly the best way to get those who need insurance the right product - those PDS statements are dense enough if reviewed in writing let alone hocked with the lure of a free gift card or whatever. Let the financials of this company blind me to the likelihood of regulatory intervention, especially once the RC was announced. And the Forager effect, was happy enough to trust in their judgement but they are pros, even they get it wrong about 40% of the time.