This is an interesting discussion on poor return to policyholder and the company in picture is "PXXXXXXXXX". I would say commission is needed for advisers as this their source of income. However, wouldn't it have been better if the cost is paid to an IFA who provides services in comparing the various products in the market and recommends the best ones? We should be gunning for service based and not product based.
http://tankinlian.blogspot.com/2007/11/poor-return-to-policyholder.html
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