Password Recovery 
Become a Member
About the risk store
Who are we?
Free Sample Tools
Sales & Marketing Tools
Practice Management
Free Risk Read
Technical Helpline!
About Our Consulting History
Training and Presentations
Life Risk Champion of the Year Award
2011 Annual Life Risk Forum
The Risk School
Industry Event Calendar
Insurers Inbox
The Risk Shop



The Risk Store


the go-to place for practical, quality, technical life insurance support and expertise for financial advisers including claims process management for insurers and industry super funds

Examples of the 700+ tools and services available


2015 Industry Claims Stats Now Available

Text Library - Standard Documents  

Communicating the value of having a financial adviser

In the wake of the recent media attention on the life insurance industry and in particular claims, we have been getting requests from our members (and some non-members) for a letter they can send to clients reinforcing the value of having a financial adviser especially at claim time but also throughout the year. So here it is, ready to download, edit to suit your style and send out. This is written in plain English, will reassure your clients of your value and will save you hours authoring something similar from scratch.

SAVE YOUR VALUABLE TIME writing this client letter and download this ready to use template from Toolkit > Text Library > Standard Document Library

Sales & Marketing Tools


Do you draw a business structure tree (just like a family tree for your personal clients, but one for business) in front of your SME clients to aid mapping out their business structure and uncovering potential hidden needs?

Would you like to replay / present that illustration back to your clients in a format that is easy to create, looks great and professional in presentation that complements your advice document? ( you do use our dedicated risk store best-of-breed SoA template for business as well, right?)

We've just made it easy for you by creating a template in MSWord format that includes editable icons and text fields.

LOOK PROFESSIONAL and download this ready to use editable template from the Sales & Marketing Tools Section

Checklist Library 

Are you considering in your regular client reviews (you conduct regular reviews, right?) that you and your client are on top of ALL contribution amounts into your clients' super account/s? Topping up Super to reimburse life insurance premiums contributes to your clients' total contribution amount. There are other multiple factors to consider. Here is a really important andeasy to use checklist (or as co-author, Strategy Steps like to call it, a 'steplist').

Download this ready to use checklist from Toolkit > Checklist Library

join the risk store

Technical Articles

The ideal life-risk advice journey

Where advisers have not yet embraced some of the issues covered in this article, it should open up an opportunity to rethink their advice process and to add more robustness that will support the emerging fee-charging environment in which advisers find themselves. This comprehensive learning article (11 pages) also includes case studies and Estate Planning “red flags” to consider.

Knowledge area: Life Insurance (60 minutes/1.0 point).
FPA CPD points 1.0 Dimension: Capability (FPA 007961).
AFA CPD points 1.0 (AFA 01022009).

This learning article is available to read or download from Toolkit > Technical Articles

Join the risk store
The Legal Hub - Register Now

Risk Store Comment
Comment on current insurance industry press and scrutiny
We at The Risk Store are devastated by the events unfolding at present and particularly by ASIC’s proposed review of claims practices. This should never have been necessary and we believe that some companies would come out of that with good results; those will however be tarred with the same brush, as will advisers also suffer out of this including their clients.

C-MAP analysing claims management

The Risk Store developed a ‘claimant experience’ measure back in 2006, called C-MAP. It's unique. Perhaps, sadly, ahead of its time. Some insurers adopted this and benefitted from it (as did their claimants). Others continue to choose not to. We believe in its relevance, its complete independence and its robustness and hope that you advisers encourage your insurers to step up to the plate and not wait for ASIC or a royal commission to step in. Want to know more about C-MAP? Click the logo above or go to our website
Sue Laing and Pete Wincott can be contacted on:
02 4998 6977 or

Dealer Group Membership


Ideal for dealer groups with 15 advisers or more

  • We now offer a corporate membership plan as well as individual memberships.
  • It is a flat fee regardless of the size of your adviser network.
  • So the more advisers you have, the better value your corporate membership will be.
  • Includes access to our technical helpline and helpline archive.
  • Includes member discounts off our risk personal & business SoA templates
  • No joining fee

Call or email Pete Wincott at The Risk Store for more details on
02 4998 6977

Risk Read Archive Library

NOW WITH OVER 175 (and constantly being added to with new editions) ARCHIVED CASE STUDIES, stories, tales and general commentary from the last 10 years of the risk store

These archives can be accessed from the risk store website > risk read section > risk read archive library

  Join the risk store

Bookmark and Share
Phone (02) 4998 6977  ©the risk store   Contact Us  Links  Site Map  Code of Conduct