Sonny Bill Williams scored a try for New Zealand on Saturday, but then suffered a suspected concussion. Matt King / Getty Images
Sonny Bill Williams scored a try for New Zealand on Saturday, but then suffered a suspected concussion. Matt King / Getty Images
Sonny Bill Williams scored a try for New Zealand on Saturday, but then suffered a suspected concussion. Matt King / Getty Images
Sonny Bill Williams scored a try for New Zealand on Saturday, but then suffered a suspected concussion. Matt King / Getty Images

Concerns over whether Sonny Bill Williams should have had concussion test during New Zealand's win over Australia in Rugby Championship


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Southern hemisphere rugby's governing body (SANZAAR) is looking into whether medical officials should have conducted concussion tests on New Zealand centre Sonny Bill Williams during Saturday's Rugby Championship opener against Australia.

The 32-year-old stumbled badly after making a tackle early in the All Blacks' 54-34 victory in Sydney. He appeared disorientated then was involved in two more heavy collisions before play stopped.

Read Paul Radley's series on concussion

However, he was not checked out by the team's medical staff or the independent doctor employed to assess head injuries.

News Corp Australia said on Tuesday that SANZAAR had opened an investigation after reviewing footage of the incidents.

Williams appeared lucid in a television interview after Saturday's game and All Blacks coach Steve Hansen said the following day that no one had noticed him suffering any adverse effects from the collisions.

"I think everyone missed it to be fair, otherwise the HIA doc would have taken him off," Hansen told reporters referring to the Head Injury Assessment personnel.

"Our doc certainly would have taken him off."

All Blacks assistant coach Ian Foster said that Williams had not been pushed at training on Tuesday as a precaution but presented with no symptoms.

"Sonny took a knock in the weekend but he was symptom-free," Foster told reporters in Dunedin.

"The Doc has done what he always does when there is a suspicion of something. He was held back a little bit today so we could make sure he was absolutely clear but the signs are really positive."

Meanwhile, New Zealand hooker Dane Coles is expected to make his return to test rugby on Saturday against Australia in their Rugby Championship, ending a frustrating five months battling injury.

Coles missed last weekend's 54-34 victory over the Wallabies in Sydney as a precaution after picking up another head knock in a troubled season for the Wellington Hurricanes captain.

The 30-year-old last played a test nine months ago and since mid-March has played just 90 minutes in the Super Rugby playoffs for the Hurricanes due to lingering concussion symptoms.

He was injured again in the All Blacks' 'Game of Three Halves' warmup match against provincial sides Taranaki and Counties Manukau and immediately ruled out of last week's game, which doubled as this year's Bledisloe Cup opener.

All Blacks assistant coach Ian Foster, however, said Coles had been impressive in his return to training and was back in contention for Saturday's clash in Dunedin.

"He trained really well," Foster said. "He had a good week last week actually.

"He's come through today really well."

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Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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