FCVic’s submission to the Australian Financial Complaints Authority (AFCA) joint consultation on life insurance Approaches highlights key concerns raised by Victorian financial counsellors, particularly those supporting clients through serious health events. The submission calls for clearer guidance on insurance held within superannuation, broader recognition of consumer vulnerability, improved procedural fairness, and stronger protections for victim-survivors of family violence. It also recommends changes to how AFCA handles evidence, communication, and fairness in cases involving policy avoidance, contract variations, and group life insurance.