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 months

Recordings per month over the last 12 months — 4 in all, peaking in Aug 2026 with 1.

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We'll just put the policy in place.

Exactly.

Yeah.

No increased costs, no exclusions.

Or the third thing is they'll offer terms.

So they'll say, hey, we're going to offer you cover with an exclusion or a loading or sometimes both.

And then that's where a client will then need to go and sign off agreeing to those exclusions or loadings.

And then once that's all done, that's when the client starts paying the premiums.

Yeah, good question.

So we will often tell the clients upfront, hey, we're expecting an exclusion.

And it's pretty common with our client base.

There's

We call them unicorns.

Yeah, yeah.

We call them unicorns.

If we look at an advice client and we go, no exclusions.

And then sometimes I get way too excited for the client.

Yeah.

And they're like, well, of course I don't.

Yeah, exactly.

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