Phil Thompson

speaker

369 appearances 1 recordings 1 series first heard Aug 2026 last heard 3 Aug

Phil Thompson’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

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money money money · 931 insurance & pre-existing conditions, comparing super funds, credit card for expenses + more · 3 Aug 2026 podcast

No, two Ls.

Shall I take us back to a good time, Glenn?

So in terms of one thing about insurance and the thing I love most about insurance is it's all about a puzzle piece.

So one person's experience with the one insurer may be different with other insurers and someone's, you know, substance misuse

it's very dependent on when it is how long ago it was you know has has life changed significantly like what does that look like so when it comes to um applying for cover with insurance um it's sometimes it's about telling a story with the underwriter and especially with substance misuse that you know insurers do have a pretty strict rule on that anytime in the last five years they may have a concern or issue but if you can tell a story of hey we've got

you know, a wife, you know, we're about to get remarried, you know, we've got young children.

And so that was, you know, in a prior life and tell that story.

Sometimes they can have a more favourable view on that substance misuse.

Substance misuse with mental health is a bit more of a higher risk.

So those two combined does cause a little bit more issues.

Yeah, yeah, yeah, generally not.

And again, it does depend on exactly what it was, what the histopathology report says.

So it is, you know, there is always devil in the detail, as they say.

But yeah, those two things are probably the cause.

But I would say if you've gone direct or gone through your super fund, you should be able to get an understanding from the underwriter as to why they've made that judgment call.

But do remember that CBA Essential Super is only working with one insurance company.

And so really the next steps is going and reaching out to a financial advisor to look at the options, get a lot of that information about your health history, and then do a pre-assessment with a whole bunch of insurance companies.

And the interesting thing about these disclosures is when you go to your super fund, they won't give you an understanding about exactly why they've declined what they've declined.

So working with an advisor, at least they will be able to call up the underwriter, hey, what's going on?

What is the reason for this?

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