Retail insurance is no doubt a highly saturated market with so...

Retail insurance is no doubt a highly saturated market with so many competitors, or businesses to choose from depending on who you are. From a customer perspective what makes FIG more attractive than Apia, GIO, youi, the big banks, QBE, IAG etc.

Being such a small business in a world where competitors have greater scale, lower costs and are capable of pulling tighter margins, how can FIG survive let alone prosper in the long term.