Swanson noted that as soon as a consumer was asked what insurance they wanted it was immediately personal advice. “As soon as you go into advice you then have to do a full fact find – their needs, aspirations and so on – then you do a needs analysis, and then you do a statement of advice (SoA),” he said. “Which I’m sorry to say an SoA is between 30 to 50 pages depending on the situation and if you include super it’s probably 80 pages and to be frank they are not a comprehensive document or a sense of ease for a customer to see.”