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J-P Hale

Which is rather ironic given that insurers are progressively removing the requirement to provide BRA forms for replacement and never actually take any notice of what is written on them by the adviser.

In this case, a loosely intermingled document that provides the insurer wriggle room if they ever wanted to legally pursue avenues to avoid a claim.

Any insurer doing so is likely to find themselves facing a public and adviser backlash that would put their business at risk.

Thus ensuring that dumb questions and terms in policies like this are never implemented.

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