Life insurers have not done enough to grow the industry in the past three years, according to a report by Plan For Life.

Licensees, advisers and administration support staff all report a shortfall in efforts, the research house says.

Licensees say attempts have declined, but they are still better than in 2011. Support staff agree, while most advisers feel life companies have stepped up their efforts.

Advisers say product disclosure statements, marketing and support have generally improved over the past three years, as have underwriting support, quote software, straight-through processing and claims service.

Licensees say reporting has remained consistent and overall ease of doing business has improved.

The survey received more than 70 responses from dealer groups, with 14,000 individual comments.

Respondents were asked about 11 life insurers: AIA Australia, AMP, AMP Elevate, Asteron, BT Financial Group, CommInsure, Macquarie, MLC, OnePath, TAL and Zurich.