Appendix 1


Submissions and additional information received

Submissions

1          Name Withheld

2          Mr Brenton White

3          Mr Richard Ruggiero

4          Mr Terence Dwyer

5          Mr Phillip Sweeney

6          Name Withheld

7          Association of Independently Owned Financial Professionals (AIOFP)

8          Mr Max Clay

9          Public Interest Advocacy Centre (PIAC)

10        ClearView Wealth Limited

11        Finance Sector Union of Australia

12        Maurice Blackburn Lawyers

13        BT Financial Group

14        National Insurance Brokers Association of Australia (NIBA)

15        Royal Australian and New Zealand College of Psychiatrists (RANZCP)

16        Mental Health Australia

17        Financial Rights Legal Centre

18        Beyondblue

19        Berrill & Watson Lawyers

20        Australian Lawyers Alliance

21        Financial Planning Association of Australia (FPA)

22        Association of Financial Advisors

23        Australian Institute of Superannuation Trustees & Industry Super Australia

24        Commonwealth Bank of Australia

25        Australian Health Practitioner Regulation Agency

26        Financial Services Council

27        Consumer Action Law Centre

28        Financial Ombudsman Service Australia

29        Association of Superannuation Funds of Australia (ASFA)

30        MLC Life Insurance

31        TAL

32        AIA Australia

33        Confidential

34        Confidential

35        Confidential

36        Confidential

37        Confidential

38        Confidential

39        Confidential

40        Confidential

41        Ms Robyn Abrahams

42        Name Withheld

43        Mr Greg Newton

44        ANZ

45        Australian Securities & Investments Commission (ASIC)

46        Name Withheld

47        Ms Lorraine Beard

48        Mr David Ward

49        CHOICE

50        Australian Prudential Regulation Authority (APRA)

51        Confidential

52        Mr Godfrey Phillips

53        Mr Keith Barnes

54        Mr Jeffrey Suggars

55        Mr Brendan Lynch

56        Rate Detective

57        REST Industry Super

58        Mr Stephen Perera

59        Life Insurance Direct

60        Australian Genetic Non-Discrimination Working Group

61        ALI Group Pty Ltd

62        Name Withheld

63        Life Insurance Customer Group

64        Bombora Advice Pty Ltd

65        Mr Maurice Barry

66        Mr Hugh Crawford

67        Name Withheld

68        Mr Mark Schroeder, Schroeder Capital Pty Ltd

69        Mr Damien McColl

70        Ms Tamara Gillman

71        MBS Insurance

72        Breast Cancer Network Australia

73        Confidential

74        Mr Stephen Knight, Knight Management Services Pty Ltd

75        Name Withheld

76        Royal Australian College of General Practitioners

77        Ms Lynley Shanahan

Additional Information

  1. Form letters received:

Form letter 1 – received from 33 individuals

Form letter 2 – received from 54 individuals

  1. Background document provided on 15 May 2017 by National Australia Bank.
  2. Background document provided on 16 May 2017 by Zurich Financial Services Australia Limited.
  3. Background Document provided on 23 May 2017 by MedHealth Pty Ltd.
  4. Additonal information arising from hearing on 26 May 2017 provided on 30 May 2017 by Zurich Financial Services Australia Limited.
  5. Additional information provided on 5 September 2017 by AMP.
  6. Additional information provided on 13 November by Australian Securities and Investments Commission.
  7. 'Red tape issues' provided on 12 November 2017 by Financial Services Council.
  8. 'Early intervention' provided on 12 November 2017 by Financial Services Council.
  9. 'Product rationalisation working group proposal' provided on 12 November 2017 by Financial Services Council.
  10. 'Unfair terms in insurance contracts' provided on 13 November 2017 by Financial Services Council.
  11. Additional information provided on 11 Dec 2017 by CBUS.

Additional Hearing Information

  1. Correction to evidence provided on 8 September 2017 by Australian Securities and Investments Commission.
  2. Corrections to evidence from public hearing 18 August 2017 provided by TAL on 1 September 2017.
  3. Corrections to evidence from public hearing 26 May 2017 provided by Australian Genetic Non-Discrimination Working Group on 8 February 2018.

Tabled Documents

  1. ANZ Bank: Opening Statement (public hearing, Canberra, 3 March 2017).
  2. Royal Australian and New Zealand College of Psychiatrists: Opening Statement (public hearing, Melbourne, 22 February 2017).
  3. Credit & Investments Ombudsman: Opening Statement (public hearing, Melbourne, 22 February 2017).
  4. Insurance in Superannuation Working Group: Joint Statement (public hearing, Melbourne, 22 February 2017).
  5. Association of Independently Owned Financial Professionals: Opening Statement (public hearing, Melbourne, 22 February 2017).
  6. Mr Keith Barnes: Opening Statement (public hearing, Melbourne, 22 February 2017).
  7. Life Insurance Customer Group: Life Insurance Framework Survey 2015 (public hearing, Sydney, 24 February 2017).
  8. REST Industry Super: Opening Statement (public hearing, Sydney, 24 February 2017).
  9. Perera Crowther Financial Services: Example table comparing direct, retail and group insurance (public hearing, Sydney, 24 February 2017).
  10. Australian Prudential Regulation Authority: Opening Statement (public hearing, Sydney, 24 February 2017).
  11. Bombora Advice: Infographics "What is Churn?" and "The Vicious Circle" (public hearing, Melbourne, 22 February 2017).
  12. SANE Australia: Experiences of people with mental illness with regard to life insurance (public hearing, Canberra, 1 December 2017).

Answers to Questions on Notice

  1. Superannuation Complaints Tribunal: Answers to questions taken on notice from public hearing 22 February 2017 (received 3 March 2017).
  2. The Royal Australian and New Zealand College of Psychiatrists: Answers to questions taken on notice 22 February 2017 (received 17 March 2017).
  3. Australian Institute of Superannuation Trustees: Answers to questions taken on notice from public hearing 22 February 2017 (received 17 March 2017).
  4. Financial Rights Legal Centre: Answers to questions taken on notice from public hearing 24 February 2017 (received 27 February 2017).
  5. Public Interest Advocacy Centre: Answers to questions taken on notice from public hearing 24 February 2017 (received 16 March 2017).
  6. Australian Prudential Regulation Authority: Answers to questions taken on notice from public hearing 24 February 2017 (received 17 March 2017).
  7. Association of Superannuation Funds of Australia: Answers to questions taken on notice from public hearing 24 February 2017 (received 17 March 2017).
  8. National Insurance Brokers Association of Australia: Answers to questions taken on notice from public hearing 03 March 2017 (received 15 March 2017).
  9. Financial Services Council: Answers to questions taken on notice from public hearing 03 March 2017 (received 17 March 2017).
  10. Australia and New Zealand Banking Group: Answers to questions taken on notice from public hearing 03 March 2017 (received 17 March 2017).
  11. MLC Life Insurance: Answers to questions taken on notice from public hearing 03 March 2017 (received 17 March 2017).
  12. AIA Australia: Answers to questions taken on notice from public hearing 3 March 2017 (received 17 March 2017).
  13. Association of Financial Advisers: Answers to questions taken on notice from public hearing 24 February 2017 (received 19 March 2017).
  14. Bombora Advice: Answers to questions taken on notice from public hearing 22 February 2017 (received 17 March 2017).
  15. BT Financial Group: Answers to questions taken on notice from public hearing 3 March 2017 (received 17 March 2017).
  16. ClearView Wealth: Answers to questions on notice posed 2 March 2017 (received 23 March 2017).
  17. Commonwealth Bank of Australia: Answers to questions on notice posed 3 April 2017 (received 5 May 2017).
  18. Australian Genetic Non-Discrimination Working Group: Answers to questions taken on notice from public hearing 26 May 2017 (received 9 June 2017).
  19. Greenstone Pty Ltd: Answers to questions taken on notice from public hearing 26 May 2017 (received 9 June 2017).
  20. Zurich Financial Service Australia Limited: Answers to questions taken on notice from public hearing 26 May 2017 (received 9 June 2017).
  21. MedHealth Pty Ltd: Answers to questions taken on notice from public hearing 26 May 2017 (received 9 June 2017).
  22. National Australia Bank: Answers to questions taken on notice from public hearing 26 May 2017 (received 9 June 2017).
  23. MLC Life Insurance: Answers to questions taken on notice by National Australia Bank and referred to MLC Life Insurance from public hearing 26 May 2017 (received 9 June 2017).
  24. St Andrew's Life Insurance Pty Ltd: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  25. Medibank Private Ltd: Answers to questions on notice posed 3 July 2017 (received 25 July 2017).
  26. QBE Insurance (Australia) Ltd: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  27. Australia and New Zealand Banking Group: Answers to questions on notice posed 3 July 2017 (received 27 July 2017).
  28. BT Financial Group: Answers to questions on notice posed 3 July 2017 (received 31 July 2017).
  29. Zurich Financial Service Australia Limited: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  30. RAC: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  31. Commonwealth Bank of Australia: Answers to questions on notice posed 3 July 2017 (received 31 July 2017).
  32. Commonwealth Bank of Australia: Answers to questions on notice posed 3 July 2017 (received 31 July 2017).
  33. Allianz Australia Insurance Ltd: Answers to questions on notice posed 3 July 2017 (received 4 August 2017).
  34. AMP: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  35. Woolworths Group: Answers to questions on notice posed 3 July 2017 (received 31 July 2017).
  36. ClearView Wealth: Answers to questions on notice posed 3 July 2017 (received 27 July 2017).
  37. Australian Securities and Investments Commission: Answers to questions on notice posed 3 April 2017 (received 9 August 2017).
  38. Australian Health Practitioner Regulation Agency: Answers to questions on notice posed 4 July 2017 (received 4 August 2017).
  39. Australian Medical Association: Answers to questions on notice posed 4 July 2017 (received 27 July 2017).
  40. TAL: Answers to questions on notice posed 3 July 2017 (received 1 August 2017).
  41. HSBC Bank Australia Limited: Answers to questions on notice posed 3 July 2017 (received 27 July 2017).
  42. REST Industry Super: Answers to questions on notice posed 3 July 2017 (received 17 July 2017).
  43. TAL: Answers to questions on notice taken from public hearing 18 August 2017 (received 1 September 2017).
  44. Department of the Treasury: Answers to questions on notice posed 22 August 2017 (received 6 September 2017).
  45. Australian Securities and Investments Commission: Answers to questions on notice posed 21 August 2017 (received 8 September 2017).
  46. Office of the Australian Information Commissioner: Answers to questions on notice posed 22 August 2017 (received 6 September 2017).
  47. AMP: Answers to questions on notice taken from public hearing 18 August 2017 (received 5 September 2017).
  48. Metlife: Answers to questions on notice posed 3 July 2017 (received 28 July 2017).
  49. Royal Australian College of General Practitioners: Answers to questions taken on notice from public hearing 8 September 2017 (received 26 September 2017).
  50. Australian Health Practitioner Regulation Agency: Answers to questions taken on notice from public hearing 8 September 2017 (received 5 October 2017).
  51. MDA National: Answers to questions on notice posed 27 September 2017 (received 12 October 2017).
  52. Medical Indemnity Protection Society: Answers to questions on notice posed 27 September 2017 (received 16 October 2017).
  53. Medical Insurance Group Australia: Answers to questions on notice posed 27 September 2017 (received 18 October 2017).
  54. Financial Services Council: Answers to questions on notice posed 31 August 2017 (received 27 September 2017).
  55. Commonwealth Bank of Australia: Answers to questions taken on notice from public hearing 8 September 2017 (29 September 2017).
  56. Australian Securities and Investments Commission: Answers to questions on notice posed 4 August 2017 (received 4 December 2017).
  57. Royal Australian College of General Practitioners: Answers to questions taken on notice from public hearing 1 December 2017 (received 7 December 2017).
  58. Australian Securities and Investments Commission: Answers to questions taken on notice on 4 December 2017 (received 8 December 2017).
  59. Australian Prudential Regulation Authority: Answers to questions taken on notice on 4 December 2017 (received 8 December 2017).
  60. Association of Superannuation Funds of Australia (ASFA): Answers to questions taken on notice from public hearing 1 December 2017 (received 20 December 2017).
  61. Australian Prudential Regulation Authority: Answers to questions on notice posed 19 December 2017 (received 22 January 2018).
  62. Australian Securities and Investments Commission: Answers to questions on notice posed 8 February 2018 (received 12 February 2018).
  63. Financial Services Council: Answers to questions taken on notice from public hearing 1 December 2017 and questions posed 4 December 2017 (received 21 December 2017).