The benefits for Amanda:

• Indexation (or ‘increasing cover’) protects the real value of her cover from the effects of inflation.
• She has the option to increase her cover even if her health declines.
• She doesn’t have to take every increase.
• Providing she accepts an increase at least every other year, we will continue to offer her increases in the future.
• Her increasing Income Cover for Sickness will automatically continue to increase during a claim, even if she hasn’t taken the increases offered to her in previous years.
• Family income benefit allows her to match her cover to her need for a replacement income if David dies. It’s also a less expensive solution than an equivalent lump sum.

The benefits for you:

• You earn an extra 15% of Lautro.
• There’s no clawback of that extra commission if Amanda decides later to turn off the indexation option.
• It protects the value of your advice.
• It helps to treat Amanda fairly by balancing her need for protection with her ability to afford it.