Pricing insurance advice is a contentious and complicated subject. Previous editions of this research revealed a growing trend of advisers starting to charge fees for their insurance advice in what has traditionally been an area of advice funded by commission payments. With further downward pressure on commission amounts, it’s not surprising that we are seeing this trend continue. In order to gain a thorough understanding of how advisers are being paid for their advice on personal risk insurance, we made sure to drill down into how advisers are paid for their insurance advice, both when it’s included in their comprehensive advice and when provided separately on a standalone basis. We include figures for standalone ‘insurance only’ advice in this chapter, and the details on fees charged where insurance is included in a comprehensive financial plan can be found in the How Much? A Look at the Numbers Charged chapter.