Clearview's defence of commission is broad and forthright, and well worth a read. There are some shocking numbers to consider - not least that 29% less new business is written each years than before the process of cutting commissions started. The contrast with commissions payable for mortgage broking are worth considering too - the Australian Government appears to have backed off cutting those. In addition, non-commission factors such as FASEA requirements are driving advisers out of the industry. Link. I think it isn't a question of whether consumer access to advice is being affected, it is a case of measuring how much it is affected. It's a lot.