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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She's On The Money · ‘Is The Cover In Your Super Enough?’ And Other Quickfire Insurance Questions With Skye Wealth · 26 May 2026 podcast

So the premiums will be quite low compared to your income.

So every time we deliver advice to our clients, we always have a table called an affordability assessment.

So we show what the premiums that are paid through your bank account, what percentage of your income does that make up.

And that is generally 1%.

You know, if it's 3%, I'm pretty shocked.

And then we also have an affordability assessment.

How much of the premium is coming from your super or percentage of that?

And I think I don't have the averages in front of me right now, but I think we normally sit at around 15% of your super contributions going towards your insurance premiums for our clients.

Now that's to have full coverage for all the different types of policies that we look at.

That's a general guide for us.

But as I said, it can be more expensive.

It can be cheaper.

We make a judgment call that we will actually limit our advice and make changes if it is too high.

Yeah.

Some insurers do blanket mental health exclusion, which is like broad every mental health condition under the sun.

But there are some insurers who are moving towards just ADHD only exclusions.

Yeah.

And this is – I know you wanted short, you know, quick answers.

I won't talk anymore.

But –

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