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%)

Do you feel initiatives such as The Insurance Apprentice has a role to play in attracting industry skills?

Yes, definitely, no doubt. (57.58%)

Yes. But we need to bring it into schools. (21.21%)

No, This adds no value (21.21%)

Unsure of The Insurance Apprentice (0%)

There is a significant skills shortage in the industry. What is the best way to address this?

Start at school level by increasing financial literacy and focusing on the important role that insurance plays in society. (84.34%)

Aggressively target university students with flyers saying: The Insurance Industry Needs You! (1.2%)

Insurers should engage with students more offering promising students’ academic bursaries. (14.46%)

You client needs to cut costs. What is the first type of product that is likely to be dropped?

Short-Term Insurance, they will take their chances on the roads and with criminals. (10.4%)

Life Insurance, it’s a grudge purchase where they will never see the benefits. (16.8%)

Investments, retirement is far away, I’ll worry about it closer to the time. (72.8%)

Is there still a mindset in the industry that insurance is sold and not bought?

Yes, and this will always be the case. (34.38%)

No, there is improving demand in some sectors. (34.38%)

This is a deeply rooted problem that will be tough to resolve (31.25%)

What is your general view of the insurance industry?

It is thriving, never been better. (18.64%)

Challenging, regulation will complicate matters. (71.19%)

It’s been the same for some time now. No growth can be found. (10.17%)