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 · last 12 months

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

So then we can communicate back to our client, hey, this is the core reason because it could simply be the substance misuse.

It could be in the last 12 months there's been cocaine or, you know, anything else in there that has led to the decline.

Everyone in the market will decline the same.

Hmm.

Or is it the mental health because of the actual symptoms and treatment and, you know, less so about the diagnosis but more about the symptoms?

So, I mean, this is why, you know, in our business we ask a heap of medical questions up front because we want to really deep dive into the health history of an individual so we can save everyone time, money and effort going ahead with an application if we're going to get declined.

You can't open those beers and have an accident or something like that.

Yeah, it does depend, yeah.

I mean, accident only doesn't pay out a claim if you were under the influence of alcohol or drugs, but it's still some coverage because, you know, most accidents is unlikely to happen because of that.

Yeah, almost certainly.

Again, yeah.

That's why it's always the devil in the detail.

Substance misuse, I'm going to say it's a while ago.

Yes.

If it was a while ago, then life and trauma is very much on the cards, which, you know, CBA Essential Soup, it doesn't offer a trauma policy.

Yeah, I mean it sounds very possible.

And again, it's coming back to like if you go to your bank, if you've been a Dolomites kid when you were young and then you only go to Commonwealth Bank and you're self-employed or maybe your financials are a bit more complex and Commonwealth Bank says, no, we're not going to offer you that loan, your next step is to go to a mortgage broker and actually look at the rest of the market and determine what does the market dictate, I can borrow or not borrow.

And that is really the best way forward.

Now, I know incomes can change, but this person's on $190,000.

If they thought they were the lower income earner, then that must be a significant income.

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