Unmasking the Commission Trap in the Pure Protection Market
🕯️ For every client mis-sold a promise. For every policy that failed when it mattered most. This one’s for you.
🔍 The Injustice Unmasked
They call it “protection”. But protection from what—and for whom?
The Financial Conduct Authority just opened a formal market study into how term assurance, critical illness cover, income protection, and whole of life insurance are being sold. Why? Because something stinks.
The regulator is worried that financial advisers—yes, the very people you’re meant to trust—are pushing products not for your benefit, but for their commission. In other words: they’re incentivised to sell you what pays them more, not what serves you best.
This isn’t about rogue players. It’s about a system built on perverse incentives:
- 💸 Commission structures encouraging advisers to switch your policy—again and again—regardless of whether it helps you.
- 💰 Premiums inflated by insurers to fund those commissions—meaning you pay more than you should.
- 🚫 A lack of innovation and value, because products are designed to sell, not to serve.
If you’ve ever been told to switch protection policies without clear justification, if you’ve ever wondered why your premiums keep rising while the value stays the same—you’ve seen this con in action.
🛠️ The Turning Point
The real betrayal? It’s not just about money.
People buy protection policies at their most vulnerable: expecting support in illness, injury, or death. And yet—when it matters most—many are left with complex exclusions, underpaid claims, or outright rejection. Why? Because the product wasn’t designed for you. It was designed for distribution.
Imagine trusting someone to protect your family—and discovering they were protecting their commission instead.
✊ Rebuild and Thrive
This is your wake-up call.
Stop handing over power to middlemen who profit from your fear. Start asking hard questions:
- “How are you paid?”
- “Are there lower-cost, commission-free alternatives?”
- “Is this truly right for me—or just right for you?”
You don’t need to play by their rules. You can plan your life before planning your money. You can use the GAME Plan. You can build a strategy around your goals, not their greed.
Because real protection isn’t a product. It’s a plan.
💡 The Lesson for You
The red flags are waving. Are you watching?
❗️ Adviser-led switching that serves no clear benefit.
❗️ High premiums that pad adviser pockets.
❗️ Products shaped by sales incentives—not human needs.
If you feel something’s not right, trust that feeling. Ask questions. Demand transparency. Walk away if you must.
Your vulnerability should never be someone else’s revenue stream.
🧭 Now Is the Time
To reclaim your life—and your money.
To stop being a pawn in their commission game.
To protect yourself from the very people selling you “protection”.
NOW is the time to unmask the robbers.
NOW is the time to rebuild and thrive.
NOW is the time to demand better.
Your Money or Your Life.
This time, choose both.
Academy of Life Planning 