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.

And so I ask insurers all the time, I talk to the executives all the time, why don't you just get rid of us?

Why go through us?

Every single time they say it's more expensive for us to try and distribute direct than distribute through advisors.

So it actually makes sense for the insurers to do it.

And it's like Cadbury.

Cadbury could set up shops everywhere and sell their chocolates, but they do it through Coles and they pay them a commission because it's more economical for Cadbury.

Yeah.

And they don't pay commissions.

Yep.

Now, this is a little disclaimer in terms of these numbers.

Most clients aren't paying that much in their super fund because it's default cover.

So, they're covered for $130,000.

Exactly.

So, this comparison is to be- If they got what they needed.

Assuming we insure you correctly, which is this much cover, whatever that number is for every individual, how much would the super fund charge you for that correct level of insurance cover versus what we would recommend?

What a retail policy-

This is all the beauty of AI these days is we can actually pull the numbers from our CRM.

And so it's live every day.

I think we update it every day.

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