I was unable to write the last few weeks because I was swamped with inquiries and policy optimization before these projected changes.

The last article generated quite a lot of buzz.

I didn’t think it was fair to induce any kind of fear-mongering, which is why I only released it with enough time for people who felt a genuine need to look at their policies and act.

But realistically there were serious potential changes and I regret not releasing it earlier.

Despite my best efforts (an effort that nearly killed me) – there were still a couple of policies and a couple of people who couldn’t get the old versions of these policies. But Luke, you might ask – isn’t it fear mongering as a consultant to rush people into a old version of a policy, despite insurance companies announcing that bonus rates would be reduced all around? (old policy or otherwise).