Yes my apologies.. Was late at night and I was trying to answer your question quickly and misread the question.
My last licensee didn’t have a fond usage of the scoped(scaled) advice and requested all items scoped out to be justified and agreed by the client and when would they next be reviewed/addressed. Anyway, if you explicity state in the SOA that you are only addressing superannuation and relating this to the benefits the client receives then you would have a case to continue. Preferably, you would scope out the insurance advice including other areas not being advised on so the client was aware what they were receiving advice on.
I would recommend and file note that they seek advice at next review around their insurance (essentially to protect you and to ensure they do not risk losing the cover should the super account fall below minimums due to premium deductions). If they prefer not to address it then that’s fine.
