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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Australian Finance Podcast · Insurance Q&A: exclusions, loadings, claims & the $1.4 million dispute · 9 Jul 2026 podcast

Yeah, it's like a Venn diagram, like where they all intersect, where you could have an event where you are eventually claiming on all four for the same kind of medical condition.

A good example is cancer.

Now, if that cancer, you're going through treatment, you'll get the trauma, and then you're off work, you're getting income protection, and then that leads to a significant disability where you may get TBD, and then unfortunately you pass away because of that cancer event, then you're getting life insurance as well.

Now,

Bit of a disclaimer, if they're all linked together and you've got the one effective policy, maybe you're not getting all of them paid out.

Exactly.

But theoretically, if you had them all separate, you could claim on all four of them separately.

But there's a Venn diagram where something happens like mental health.

Mental health is not a trauma event.

If you are on claim for mental health, you may be on claim for income protection and then it may lead to a total disability.

Then you get a total disability as well.

Exactly.

Yeah.

So exactly that situation.

Mental health and you have cancer five years later.

Yeah.

Or you have cancer and then it leads to a mental health condition that leads you to a total disability.

Yeah.

So in terms of I'll just talk about our business and how we're paid.

So we charge an initial fee for that advice stage, and then if someone takes out cover, we get paid a commission from the insurance provider.

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