Phil Thompson
speaker
1,592 appearances
4 recordings
3 series
first heard Apr 2026
last heard 25 Aug
Phil Thompson’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Aug 2026 with 1.
Appearances
So we'll talk about what features and benefits we've touched on, which we'll talk about some today.
And then from that, our job as advisors is to educate someone in terms of what we recommend and why we recommend it and then empower them to make the decision that they want to go ahead with.
No, so that's just to get to the advice stage.
If someone then says, yeah, happy to go ahead, then they will go and do a phone call with the insurance company.
You can do it online, but most of the time our clients do the phone call and they'll answer the health questions again.
Now, we try and make it easy.
We give those original health questions back to the client just so they've got it in front of them.
Yeah.
But they'll do that directly with the insurance company because at the end of the day, we don't want to get in between the client and their health disclosures.
And so they'll do that with the insurance company and then the insurance company will make an assessment.
So the underwriter who will make a health assessment and go, okay, are we willing to take on the risk now?
Do we know enough?
Or do we need more information?
And then so sometimes they may go and request more information either from a GP and get a medical report.
But sometimes they'll know enough information from that phone call to make an assessment.
And then their assessment will either be decline cover, which is the worst outcome.
Hopefully, we've done our research well enough.
So we know that it's not going to happen.
The second outcome is they may offer what they call standard rates.
So no exclusions, no loadings.
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