Case 1 The member complained about a significant increase in premiums for income protection (IP) cover. AFCA noted it had limited power to consider complaints about premium increases and, therefore, it was necessary to confine its review to whether the premium increase was properly disclosed and whether there was any breach of a legal obligation or duty on the part of the trustee or insurer. The facts involved an increase of IP premiums by up to 48.4 per cent. The member regarded this as price gouging, an abuse of market power and collusion by both the trustee and the insurer,...