Some of the examples that were heard, either in the consultation that was held by the agency or the investigation by the Reserve Bank and the FMA, were numerous. In one example, a 25-year-old with no dependents was sold a life insurance policy by his bank when he signed up for KiwiSaver. The bank, essentially, led him to believe that buying the life insurance was required as part of joining KiwiSaver. I've also heard about a person with tetraplegia who was sold a life insurance with a clause excluding tetraplegia, which made the cover, essentially, meaningless.