Call for financial adviser opinions on retirement policy interactions with insurance

This is an appeal for advisers to help out with opinions on how retirement policy interacts with insurance. 

Submissions are now open until 31 October for the CFFC's Review of Retirement Income Policies - https://www.cffc.org.nz/reviews-and-reports/2019-review-of-retirement-income-policies

I do not normally work on investment issues, and won't make a substantial submission on this one either. However, I am interested to see if there are significant issues of interaction between this policy and insurance provision.

I do expect that some will call for KiwiSaver to include insurance, given the Australian experience with that, I am against the idea.

There has already been a consultation on defining the terms of the unlock in the event of serious illness, but comments on that may be helpful. 

What else should we be considering? Glad to have your calls or emails.