James Reilly (Fine Gael)
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Deputy Neville's question is very relevant and certainly would have resonance with a life insurance practice known as churning in the past, whereby a person with adequate life insurance cover would be approached by their broker to change their insurance cover. If the person had a bit of extra money, they would go ahead and do that but without realising the first year's premium was going straight to the broker in commission. I understand that practice has stopped-----