Well, this is my first exposure to Dr. Phil (I don't watch much TV), and I must say I concluded I was listening to an extremely competitive salesman whose head always rules his heart. I, too, look at the world rationally, yet my life is not filled with competition. There is, indeed, SOME competition in my daily life, but MOST of my life is a cooperative venture, and I believe the culture is shifting more in that direction every day. Our staff and the staff of our Authorised representatives who sell our policies will receive ongoing role-appropriate training, as well as extra training to correct any shortcomings we find.

Is Dr. Phil trying to "BAIT" his readers into continuing to read this book by implying that those that don't are average, below the bell curve kinds of people? ".....If you want to be average; if you want to sit in the middle of the bell curve and "receive" rather than "create" what comes your way and hope nobody takes it from you--then you can stop reading right now, because this book is not for you." Where appropriate, we will tell you what types of additional support and services we can provide to help you.d) decide if we should deal with the allegation through our internal Complaints process, and refer you to us if so a) registered as a life insurance company with the Australian Prudential Regulation Authority (APRA) under the Act, or

If we automatically upgrade your policy, we will tell the Policy Owner about any key changes, unless your policy is a Group Policy.Once we have received all the information we reasonably need, including any response to a Show Cause or Procedural Fairness letter, and completed all reasonable enquiries, including to any Reinsurer, we will tell you about our decision in writing within 15 Business Days.

Our Nutrient Core report presents personalised requirements for and responses to nutrients - vitamins, fats and sugars - and is relevant to everyone. Lifecode Gx® range of specialist reports look in detail at particular clinical areas like nervous system function, hormone balance or detoxification. Genotype results are presented in the context of nutrition and other environmental factors, such as sleep, stress, physical activity and chemicals, that can influence them. When you make a claim, we will explain the process and keep you informed about our progress assessing it.c) have a governance process to report to our Board of Directors or executive management about our compliance.