What's Not Changing About Human Beings?

The world around us is changing, and the context in which people are behaving is changing. But the danger is that we only on what's changing. And so i think you're right. In terms of products life insurance, there is a real temptation in the industry to say if we build it, they will come. Unfortunaely, that's not how human beings work at all. Even with enormous marketing spend, the off rates tot every stage are huge. So weare really finding that it's not enough to maket jist, place something on line. You have to also help people and help through that journey in order to realize the covers that they need.