Adviser and friend of the show Phil Thompson joins Glen to unpack a ton of great questions from the m3 community. They touch on:?? personal insurance in super vs out of super?? tax on TPD pay outs?? salary sacrificing into super to cover premiums?? how does your health history impact your ability to get cover?? I’m single, have assets and no dependants, do I need life insurance??? how do exclusions work and how long do they last??? having multiple policies?? level vs step premiums?? when do you need income insurance?? what are your options if you can’t get insurance??? changing your level of cover?? which insurances should families prioritise??? some wild stats about the likelihood of trauma events occurring?? de-linking your insurance from superLearn more about life insurance in the deep dive episodes below.414 sex, drugs & life insurance... death, TPD, trauma, income protection (part 1/2)414b sex, drugs & life insurance... death, TPD, trauma, income protection (part 2/2)To speak to Phil or one of our trusted advisers click here.? Please read our disclaimer + warnings before listening to this episode? Join the m3 facebook group? Quick links to Glen’s book, other resources and $20 off The Glen James Spending Planmy millennial money is produced by SYMO interactive Hosted on Acast. See acast.com/privacy for more information.