The FMA has been working with the Government-owned KiwiSaver provider, KiwiWealth, in a project to make better use of behavioural insights to assist New Zealander's planning for retirement. Although this blog usually confines itself to matters related to insurance, it is an interesting, and positive move. It is evidence of the intention of the regulator to have a broader role in promoting positive developments in conduct, rather than merely policing breaches of conduct obligations. It is also well worth pondering the behavioural insights that can be applicable in the insurance sector. One which comes to mind is the UK regulator's (FCA) findings around annual reviews - a subject which could do with an upgrade in the insurance world.