We recently changed our life insurance policy. Kelso Ripia from Brisbane Office was very professional and his excellent deliverance of the information helped us understand what the benefits would be for us. We felt very privileged to have someone go over and above to find the right policies for us. So if anyone out there is unsure about the policies they hold and what they actually offer and what will be taken from you as you get older we recommend taking time to speak with Kelso. We were sticklers like others saying "No We've had our policy for years we know its good" it amazed us how much we didnt know. Thanks again Kelso for your time and the excellent policy coverage we now have.