Duties of the committee
Terms of reference
Conduct of the inquiry
Structure of this report
Acknowledgements
Notes on references

Introduction
Nature of the life insurance industry
Regulation of life insurance
Previous inquiries, reviews, reforms and events
Red tape reduction

Introduction
Australian Consumer Law
Life insurance consumer protections
Life insurance exemptions from consumer protections
Committee view

Introduction
Financial services codes of practice
Life insurance codes of practice
Evidence received on life insurance codes of practice
Committee view

Introduction
Remuneration, commissions, payments and fees in the life insurance industry
Shelf space fees and training fees
Committee view

Introduction
The nature of APLs
Arguments supporting the use of APLs
Arguments for widening or banning APLs
Committee view

Introduction
Opt-out versus opt-in requirements
Inadequate member awareness of cover
Duplicate group life insurance accounts
Committee view

Background
Privacy framework
Authorisation to access medical information
Arguments for a broad authority to access medical information
Arguments against a broad authority to access medical information
Committee view

Genetic information and the life insurance industry in international jurisdictions
Genetic information and the life insurance industry in Australia
Arguments for reform
Committee view

Introduction
Oversight of claims handling practices
A policyholder's right to reasons where a claim has been denied
Inconsistency in claims handling data
Definitions in insurance policies
Mental health claims
Delays
Independent medical examiners
Underwriting direct insurance
Legacy products
Early intervention—rehabilitation payments