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Investment companies pay commission to approved brokers in return for new business. This saves the investment company from opening, staffing and managing worldwide offices plus allows their product to be represented independently, as opposed to the bias of a tied agent. The long term effect can be seen in the following graph. In the UK and most of the developed world, governments encourage individuals to take out life assurance as a way of reducing the burden on the state. Consequently, the proceeds of a life assurance policy are treated more favourably than directly held investment assets.