Today’s Guest: Graeme Hedges- Insurance & Financial Advisor Email: [email protected] Phone: 1800 INVEST (or 08 8267 2000) Website: https://hedges-assetplanning.com/ In October 2022 another round of changes is happening to income protection insurance policies . Yes, that’s just weeks away. This episode is divided into 2 parts for easier listening. 47a types of personal insurance income protectionlife total and permanent disabilitytraumaneedle stickchanges to income protection policies since 2020upcoming income protection changes in October 2022 47b the process of getting an insurance policyown occupation vs any occupationlevel premiums vs stepped premiumsreviewing an existing policyways to reduce your policy premiumslistener questions answered