Dr Leigh asks if Youpla will "continue to sign up children" if it is granted an AFSL.

Mr Jones says it has never sold policies to children, but that previously adults including grandparents have nominated children under their own policies.

He says if the AFSL licence is granted the company will continue to allow adults to do this.

"It is easy for a white person ... to turn around and say it's not needed. You can't say that to an individual who has just lost a two-year-old."

Youpla says that tragically infant death is not uncommon in Aboriginal communities, and if there is a need for cover they will provide it.

"I invite everyone on the committee to come out to communities and hear what we hear," Mr Jones says.

"You are asking questions and asking why we are defending ourselves and it's because we believe wholeheartedly in what we do and the community that we are representing."

That ends Youpla's evidence.