28 NEW ITEMS ADDED OVER THE LAST 60 DAYS   |   FREE TO JOIN & TRY   |   UPGRADE LEVELS ANYTIME   |   WHAT PEOPLE SAY ABOUT THE STORE    |    BUY INDIVIDUAL ITEMS HERE

Frequently Asked Questions

Have questions to ask us about The Risk Store or The Risk Shop? Try here first before contacting us.
99% of the typical queries we get are answered here and it may save you time and delay. 

If you have any questions we have not covered off on here, please don't be shy. Contact us using our Contact Us link. We'd like to hear from you.

Regards

The Risk Store Team

 

General questions 

What is The Risk Store?

A totally independent, unique and comprehensive online resource of all things to do with life insurance - client soft skill training, technical advice, content, tools, checklists, knowledge, information, templates, the world's only technical and claims helpline; you name it. We have it. If we don't have it, please tell us.

What is The Risk Shop?

Already confused? No need to be. The Risk Shop is our new online store (accessed via our BUY menu above) where you can purchase business tools individually or as a bundled collection, produced either by us or by 3rd parties. These products are exclusive to The Risk Shop (a select number are also available to members of The Store). That is, they won't be made available in the Risk Store. Why we hear you ask? Read The Risk Shop FAQ's further down for more answers.

Who owns The Risk Store?

The Risk Store is the trading and brand name of RISK PTY LTD, an Australian privately held business owned by industry veterans (we use that description literally!) Sue Laing and Pete Wincott. The business was established in 2006 and initially took 8 months of solid writing, uploading and testing and more testing before we went live on the 14th August 2006. Initially we started with 150 items. As of today, that number has increased x 6 fold is is continually being added to.

How independent are you?

Totally independent. We are not owned or even part owned by a life insurer nor any other financial institution nor do we receive sponsorship. We are totally funded by our members and consulting clients.

What is the best way to contact the team?

Please use our 'Contact Us' link here or below in the footer [Please do not use this form if it is a technical or claim question. Go to Tools > Helpline to submit your technical query from there]. You also have the choice of phone, email using the enquiry form, our 'Chat Bot' below or if you are feeling particularly social right now, via our LinkedIn profiles?

What is the best way to provide you with feedback on the site?

Please feel free to leave us your honest and valued feedback using the 'Feedback' tab located on the right-hand side of our website. You have the choice of being anonymous or leaving your details if you require us to respond to your feedback. Here you can leave content suggestions, criticisms or compliments (we welcome any or all). So go for it! 

Membership questions

Do I have to become a member to gain access to the content?

Yes. It is easy to join up though and takes no more than 2 minutes to become a member.

Can I sample your content, try it out first or does The Risk Store offer a trial?

Yes and No. Yes you can easily sample our content. Become an Affiliate member - no obligation to pay or pay to upgrade. You can try us out first. NO RISKNO CARD. NO PAYMENT. PERIOD. The Affiliate membership offers the same experience as a trial. Click the Risk Store logo above and choose Affiliate level to give us a go. Why not? Nothing to lose. Something useful to gain. So go on. Try us out!

Do I have to hand over my 'hard-earned'?

No and Yes. You can try out the store first for FREE by joining as an Affiliate member. This will give you access to approx 5% of the content which is a great way to try us out. If you like what you see and want to access the paid content, upgrading to another paid level is very easy. Just have your credit card ready.

Do you offer any discounts or payment plans?

Sorry. No to both for Risk Store memberships. However, we now offer discounts to members for purchasing selected products from our NEW Risk Shop. We no longer offer industry association membership discounts and we currently have no plans to offer payment options e.g. monthly, quarterly, etc. other than our annual fee. Trust us, if you use the store regularly, you will get good value from your flat annual fee and it is a good incentive to keep using it.

Do you have a joining fee as well as your membership fee?

Not any more. We used to but this has now been dropped in favour of a single annual fee.

What is the Corporate Membership about?

We recognise that some larger corporate type organisations e.g. Life Insurers, Licensees / Dealer Groups, etc., want their people to have access to the store but signing each and everyone become prohibitively expensive and time consuming to manage. So we established the Corporate Membership with a flat rate fee. It becomes financially more cost effective for businesses with 12 or more people requiring access. So if you belong to a large licensee or dealer group with more than 12 people likely to access the store on a regular basis, then you could lobby your organisation to obtain a corporate membership on your behalf and pass on the scaled discounted fee to all users.

Do I receive your NEW Risk Store Curation service as well?

Risk Store Curation is a recently launched service exclusive for Corporate members. 

I/we are not members. Can I/we purchase your annual industry claims paid stats separately?

Sorry no. Industry stats are exclusively available to Professional and Corporate level members. Just one of the many benefits of signing up to either one of these membership levels.

How do I know if I am a member or have membership?

Two options for you here:
1) Try logging in or if this fails, try using the password recovery link to get your login details emailed to you automatically. If your details are not recognised by our system, guess what? - You are not a member...yet! OR
2) Use the 'Contact Us' link to ask us. You may not get an immediate response to this option though, so if you need to know straight away, go with option 1. 

How do I know what membership level / plan I have?

You first need to login using your normal login details (use password recovery if you have forgotten your login details). Then, in the top right-hand corner under the search field, you should see your full name and membership level in a coloured lozenge.

How do I upgrade my membership level / plan?

Option 1: First login. This is so our system recognises who you are and what plan you are on. Then click on the download link of the item you wish to access. You will be prompted to choose a level / plan to upgrade to. Follow the prompts to the conclusion.

Option 2: Not logged in. Via our membership plans displayed on our home page or Join The Store page, you will see 2 links located below each plan offering. One will be asking if you are already a member looking to upgrade. The other will be for new members joining for the first time. Click the 'Already a member?' link and you will be prompted to login. You will be prompted to choose a level / plan to upgrade to. Follow the prompts to the conclusion.

I have received an email reminding me to renew my membership. What do I do now?

Easy! Click on the link as instructed in the email. If you are not already logged in to the store, you will be prompted to enter your username and password. If you forget your login details, please use password recovery/reset function located in the top right-hand corner of the site. Once logged in, you should be automatically taken to the upgrade - renewal page. Choose your level (your current level is indicated just below the login link in the top right-hand corner) and proceed with your payment. Sorted!

I didn't renew my membership. I want to re-join. Am I still a member or do I need to re-apply?

No sir or madam or ms, you don't need to re-apply. If you have been a member at some point from August 2016 onwards, we should have you as an Affiliate member. That's the basic FREE level plan. Memberships are designed to no longer expire, only downgrade to the basic FREE Affiliate level. So that means you can login and upgrade anytime you like. Right now would be perfect! ;-)

If you cannot login or recover your password, that would mean you are not registered as a past member and yes, you will have to complete our online rego form. It is a one-off task. That should take no more than 2 minutes, max, to complete. You have 3 levels of membership to choose from and you can upgrade anytime, so don't sweat it if you feel under pressure to choose one plan over another.

How do I update my membership details / profile for myself or to change to another colleague's details?

You can do this yourself quite easily. 1. First login. 2. Click on 'View Profile' link located in top right-hand corner under LOGOUT. 3. Edit your details or change to your colleague's details. 4. Click save. Bob's yer uncle! 5. Keep browsing the site or log out.

Are membership details confidential?

Yes. Membership details will never be sold or willfully disclosed.

Billing questions

Can I pay by other means that by credit card?

At this time, sorry no. (A case of expensive wine will be considered though!)

Do you keep my credit card details and is payment processing secure?

No. Payment is processed real-time via very secure channels with PayPal.com processing at their end. You'll notice you will be momentarily taken away from our website to PayPal's own secure environment while payment details are processed. It's all very secure and neat. A tax receipt is emailed to you automatically.

Why isn't your website free? Why do I have to pay to access your content?

Do YOU give away your advice or IP for free? No, seriously, we have to eat and pay the bills too. The development of this website and all the content has been a considerable investment for us including ongoing costs of hosting the site, software license fees and ongoing work in adding content. We hope you understand and appreciate this.

Why do you bill annually?

Our monthly prices would be too small to justify the transaction charge incurred with each payment!

What are my payment options?

We accept Visa, MasterCard and Amex. You will be billed annually through our secure online payment system.

Can I upgrade or downgrade my plan at anytime?

Upgrade yes, of course anytime, but you are committed to 12 months on that level. If you decide to upgrade again, same applies to the new level. You only get the option of downgrading when you receive your annual notification to renew your membership and you can then choose to downgrade. In summary, upgrade anytime. Downgrade after 12 months.

I have received an email reminding me to renew my membership. What do I do now?

Easy! Click on the link as instructed in the email. If you are not already logged in to the store, you will be prompted to enter your username and password. If you forget your login details, please use password recovery/reset function located in the top right-hand corner of the site. Once logged in, you should be automatically taken to the upgrade - renewal page. Choose your level (your current level is indicated just below the login link in the top right-hand corner) and proceed with your payment. Sorted!

Has your pricing increased?

Unfortunately yes. We have reluctantly had to increase our pricing (as of June 2017) as we could no longer absorb the many costs associated with running and improving the store for you. Keep in mind this is the first increase in membership fees for nearly 9 years and only the second increase in our existence. We have to earn a living too! We started with approx 150 items in the store and now have over 700 items and this is growing monthly plus we operate our technical and claims helpline service for members too.

Where is my tax invoice or tax receipt?

We don't issue tax invoices up-front for individual memberships. The exception being for the corporate membership plan. When you pay via our online payment system, you will receive an auto-generated tax receipt via email. So look out for it. Check your spam or junk mail folder if you don't see it in your inbox. Please save a copy for your records. Sorry, we don't issue duplicates. 

Do you issue duplicate tax receipts?

Sorry, we don't issue duplicates. So keep your original one safe!

Can I get a refund?

We don't offer refunds. So please choose carefully or start out as an Affiliate member (this is our Free plan) and try us out first. You can always upgrade to Associate or Professional levels anytime.

Content questions

Is your content CPD certified?

It is too costly (for the membership fee we charge) and is not really necessary. You can use our technical reading material towards your reading count per annum. By the way, all this is ok. Some of the tools we offer, such as checklists or client communication templates, can't be counted towards your continuing professional development but other content, such as our library of technical articles can be counted towards your annual professional reading quota. Just record how long it took to read and keep a copy to show your compliance people if they enquire at a later date. All compliance departments appear to be comfortable with our content having a relevant learning and development component to them and therefore accept it.

Is there a minimum number of CPD certified or technical material that you will produce per year?

As previously mentioned in the question above, we don't certify our material. However, the amount of technical learning material that would qualify towards your annual CPD requirement would be at least 4-6 articles per year. In some years, it is more.

Do I need to be a member or logged-in to search or browse your content?

No. You can search or browse for content without needing to be a member or logged-in. You do need to register as a member to view and download our content though. We suggest you start out as a FREE member and go from there. You can upgrade to other levels very easily. See the question on how to do this listed above.

What is the fastest and most accurate way for me to find specific content in your site?

Use the search function. We recommend you use quotation marks to narrow the search down e.g. "client engagement" or "beneficiary nomination"

Can I purchase individual items rather than join as a member?

Yes and no. There. That was helpful...not!

To answer the former, yes you can via our online shop called, no surprises here, The Risk Shop. See our main navigation menu under 'BUY'. This is limited to some exclusive items not normally available via The Store membership plans such as the complete TouchPoint product components. 

As for the latter, content within The Risk Store is only accessible via a membership plan. Not individually.

Copyright. Do I have to credit The Risk Store whenever I re-publish your content?

As a general rule of thumb, no. The exceptions are our industry claims statistics and if you are a life insurer or dealer group employee using our material, we ask you to have the courtesy to credit the content sourced from The Risk Store.

Can I make recommendations or suggestions for adding new content?

Yes please! We always welcome contributions from members and non-members. Sometimes we don't have something you are looking for and maybe should have. So let us know using the Contact Us link at the footer below.

Some of the content appears a little dated. Is it still relevant and meet current Australian regs?

Ever heard the saying ‘never judge a book by it’s cover’? Pete Wincott, our Managing Director is old(ish), but he's still relevant...just!

It’s important to remember The Risk Store is a library like no other. What it is not, is a media or news site with content that is only relevant here, now and today, but soon becomes out of date and irrelevant within a few days. With The Risk Store, our content doesn’t. However, if you do spot something we’ve missed, please let us know via a quick note using the ‘Contact Us’ page link below in the footer of this site.

Think of The Risk Store like a reference library that no one else provides. Plenty of content that may have originated a few years back but is still important and useful for you today as it was when we first published it. The only difference is some of the haircuts and fashions featured have, errm…changed slightly. We are currently undertaking work to convert the older looking content to our latest templates. Please be patient. It takes time.

As for regulations, we have no content that could be impacted by all the regulatory changes our industry is constantly undergoing. Again, if you do find something we've missed, please let us know. 

Risk Shop questions

What is The Risk Shop?

Already confused? No need to be. The Risk Shop is our new online store (accessed via our BUY menu above) where you can purchase business tools individually or as a bundled collection, produced either by us or by 3rd parties. These products are exclusive to The Risk Shop. That is, they won't be made available in the Risk Store. Why we hear you ask? Read on my friend. Read on.

Why are products in the shop exclusive and not available in the store?

Some products are featured in both The Risk Store and The Risk Shop. We state this on those items listed in the shopping cart (The Risk Shop). So if you are already a member, don't purchase, save your moolah, login and download from the store instead. We don't offer refunds. So choose carefully.

It's a great question. Our reasoning is products like TouchPoint, which is a complete end-to-end communication and advice process, made up of 68 templates, checklists, procedures, mapped workflows, SoA templates, etc, collectively is worth thousands of dollars as it took hundreds of hours and many many months (10 actually, 6 days a week) to build and produce. We cannot afford to offer all of this for a $462 membership. It's worth much much more. However, you don't need to purchase the whole lot now. You can pick-and-choose individual items to suit your needs. Other 3rd party produced items we will be introducing, such as videos, books, etc, are offered by other industry 3rd parties via our Risk Shop platform. We can't offer these items as part of our membership fee either. 

Do I need to be a member of The Risk Store to purchase at The Risk Shop?

You certainly do not need to be a member of The Risk Store, although we'd welcome you to do both and as an Associate, Professional or Corporate level member, you qualify to obtain a 5% - 10% discount on selected Risk Shop products. So shop freely either as a member or as a non-member. Remember, you can become a free Affiliate level member and upgrade anytime.

Can I sell my product in The Risk Shop?

Sure. If it is life risk insurance, superannuation or financial planning industry relevant, please contact us to discuss the opportunity. Use the 'contact us' link below.

What is the benefit of creating a Risk Shop account to shop?

Firstly, just to be clear, a Risk Shop account is totally separate from a Risk Store annual membership account. The Risk Shop account is optional. You can still shop without either a Risk Store or a Risk Shop account. Registering for a Risk Shop account makes it much easier and quicker for you if you make repeated purchases (which we hope you will do of course).

You don't have to re-enter your billing details each time you purchase after the very first time. It also allows you to see what you have previously purchased and also allow you to download and save copies of previous purchase tax invoice receipts for your records. 

How does a Risk Store member discount work?

Associate, Professional and Corporate level Risk Store members quality for a 5% and 10% discount respectively off selected items for sale in The Risk Shop. You will need to request your discount code by emailing us using the 'Contact Us' link below to acquire a current discount number.  You then apply this code when you go to checkout and pay for your selected goods. 

Please note: Affiliate level members (free membership) do not quality for Risk Store discounts. Associate, Professional and Corporate level Risk Store members, being paid members, do quality. You can upgrade from an Affiliate level member anytime very easily. Just login and then go to the home page and use the upgrade link in your chosen plan.

How many times am I allowed to download my digital purchase?

Three (3) times within a time-limited fourteen (14) day period from date of purchase. This is also stated on your tax invoice / order summary (on-screen and email). 

Can I get a refund?

We don't offer refunds. So please choose carefully.

Who is responsible for fulfilment of physical products sold via The Risk Shop?

Our third party partners are but if you experience any issues with your order, please do not hesitate to contact The Risk Store in the first instance and we will do our utmost to resolve most issues for you. Please use our offical 'Contact Us' email form located in the footer below to register your issue. 

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