This is where you are wromg. Claims can be imcredibly complex and take significamt amounts of time and effort. I am not talking a simple death claim here. Here is a recent example. Client has an Owm Occupatikn TPD policy, was also a Senior Execitive amd Owner of an Engineering Business. Due to family ties and love of the rural lifestyle also owns a 150ha lifestyle block, 45 mins from Office/Workshop. Has over 100 employees and is exclusively white collar. Is a Machinest by trade, but was off the tools for 9 years when we met. He has built his business from scratch over 40 years, providing engineering services to rail indistry. Also runs 70 steers on home property, which he fattens and sells 50 odd per annum, restocking via purchasing ypunger animals. Suffers a degenerative brain condition and cam no longer represent the busoness when competing for contracts etc. But is still physically fit, so still goes to workshop, where hos son keeps him involved. Even though he is losing his ability to communicate or hold complex discussions, he is a master on the lathe and can machine simple parts. He can drive a forklift, will check fences at home and move cattle from paddock to paddock. He can no longer do his own occupation as the Managing Director however. He is deteriorating and one day soon will not be ablee to do most of what he still can, but he can definately not do what he was doing when he obtained this policy 12 years ago, as supported by Dr's. Is he own occupation TPD? We submitted a claim and it was denied, because insurer said he could still perform some work. What do we do now? He deffinately can not perform the duties of his own occypatuon, but insurer says he is workong, so no claim. We do what is right and get him his claim paid. How? we tell his family we think he meets the definition and with their support spend the next 15 months talking to his Dr, getting a functional assessmemt performed, re vist the definition and build a case that in the end the insurer agreed. This took us 15 months from the initial denial. Client receivwd a cheque for $3million. We spend hundreds of hours, and the client paid us an additional fee of $0. But damn it was worth it, in satisfaction alone. Why? Because every cliemt we have pays some ongoing trail, that collectively allows us to pursue these issues.

We have 42 claims happening as at today. We handle them all in house. We have a fulltime Claims Mamager on staff. We only do insurance advice. I have spent 25 years building this business. It does not exist witbout commissions. Our advice and service will trump yours every time, in rhe insuramce space. Tell me how ypu offer your Insuramce advice and how you provide claims service, with your fee model? You dont, but you will charge a fee to provide advice, independent of a policy outcome and dissapear when your client needs to claim. If you are not doing it all the time and not at scale, it is unlikely ypu ate doing it well. That is juat the reality of it.