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605b mms: Lauren on rediscovering her values after a long-term illness

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Covid

As soon as you're not on claim, you start paying your premiums. So within income protection, you either getting paid or you're paying. If Lauren got sick from COVID again in three years time and her income had increased, there'll be a portion of that policy that you've applied for after the fact - but they will not take away the standard policy she already had prior to the event. Yeah. Any claim in the future is claimable. But the key differentiation if Lauren calls you in two years time and says, hey Phil, I've just had a $50,000 pay rise,. She can still increase her policy, but there may be exclusions on that. On

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