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Commission restriction could cause some rapid dislocations in the distribution of life insurance products - and the risk for advisers and insurers is that if commission restriction were believed to be a highly probable outcome of the review of the FAA and FSP then companies may move rapidly in advance of actual implementation to restructure distribution channels. That could include acquisitions, disposals, and more vertically integrated channel development. Such channels are less likely to offer full financial advice, product choice, and fully featured products, but are more likely to have tough compliance controls and convenience features common in direct-to-consumer channels. 

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