In this interview, Tony speaks with Nick Smit, a product development actuary at Bidvest Life, about the upcoming FPI convention and its theme 'Bring It Home.' They discuss the challenges in the advisor-client relationship, especially the skepticism towards life insurance and affordability issues. Nick elaborates on the complexities of insurance products and how Bidvest Life addresses these challenges through innovative product features like the commutation option and life income benefits. The conversation also highlights the significance of fast claims processing, the role of advisors in managing claims, and the importance of personal relationships in the financial planning industry.