Do insurers even know how to get medical information from state medical facilities? Are disability claims only for those with medical aids? Does independence really matter? Retirement Savings Cost – what is the fuss? Retail Distribution Review: Who is an independent financial adviser? Do insurers even know how to get medical information from state medical facilities? Does independence really matter? Retirement Savings Cost – what is the fuss? Are disability claims only for those with medical aids? Retail Distribution Review: Who is an independent financial adviser?