The recent announcement of the delay of the FSR Bill is:

Predictable…no surprise there (35.71%)

Acceptable…the FSB and Treasury need to consider all of the implications before pushing ahead with it (47.62%)

Unacceptible…further delays creases uncertainty in an industry that cannot function without clarity (16.67%)

Having certain binder fees capped at 2% of the net worth of the gross underwriten premium is :

Ridiculous, how are we supposed to make a living (7.69%)

Worrying, how can the FSB expect us to engage with clients more for less money (73.08%)

The right thing to do as it will root out the bad apples in the industry (19.23%)

Do you think its possible to eliminate all conflicts of interest in the financial services industry?

Yes (5.13%)

No (56.41%)

Some conflicts need to be managed (38.46%)

Who would you like to see as the winner of The Insurance Apprentice 2016?

Alicia Narainsamy (80.15%)

Andre Brooks (4.41%)

Celina Bhima (2.21%)

Chris Caalsen (1.47%)

Karabo Kopeka (7.35%)

Unathi Ntengo (4.41%)

How can the industry improve?

Product innovation is the key to success. (27.94%)

Improved policy wording will help clients know exactly where they stand with insurers. (35.29%)

The regulator needs to slow down with regulatory reform. (36.76%)

Do you feel that advisers are soft targets at times that when clients aren’t happy with their product, they blame their adviser.

Yes. This is an increasing worry. (45.61%)

If advisers do their jobs properly, there is no danger of this. (42.11%)

Hopefully TCF and RDR will resolve this. (12.28%)

As we head into 2016, we would like to find out what issues you the broker would like more coverage of or seminars of:

TCF (10.53%)

RDR (41.23%)

POPI (8.77%)

SAM (3.51%)

CPD (3.51%)

Data (4.39%)

Telematics (3.51%)

Strategies to move to a fee based model (24.56%)

Is the industry becoming increasingly challenging for advisers?

Yes (92.21%)

No (7.79%)

The FSB's "Status Update: Retail Distribution Review Phase 1" is available for comment. Will you take the time to read it and submit comment?

Yes (72.73%)

No (27.27%)

There are increased calls for personalised insurance products. Can this be a reality in South Africa?

Yes. There is major scope in certain industry sectors. (83.7%)

No. Why fix something that isn’t broken? (0%)

We have already moved towards this trend. (16.3%)