While we wait for answers privately or publicly, new members of the AFAP are, by all reports, being denied coverage by the MBF. These are mostly young guys with families, big mortgages etc who should not be left exposed to risk. The MBF has a "DUTY OF CARE" to provide cover and it is clearly not. This has been going on for months and yet no adequate response is forthcoming. Do we have to wait for a personal tragedy to occur, so the people concerned can say, "not our problem, nothing to do with us, he wasn't a fund member!"