Dr Leigh asks why life premiums are rising so quickly.

Mr Swanson says in individual "pure life" insurance there are no rate increases, but rising levels of mental illness has impacted income protection rates.

For group life, younger people leaving the insurance pool, who had previously subsidised older people, was causing rate increases.

Dr Aly asks how Clearview ensures there is no conflict of interest with their own 200-plus financial planners selling Clearview insurance.

Mr Swanson says the planners' obligation is to represent the best interests of the clients.