Scenario 1: You are an insurance adviser and your clients, Jane and Aaron have decided to take out a range of insurance covers. These include: personal disability income protection further life cover and critical illness /trauma cover You have recommended Jane and Aaron jointly own these policies and, in your Fact, Find, you noted that your clients do not have any Enduring Power of Attorney. Part 1: Explain the implications of Jane and Aaron not having an Enduring Power of Attorney given your recommended covers and ownership structure, and how it may impact on who can receive a claim payment