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Speaker 1: This podcast, I want to talk about a riveting subject.

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Speaker 1: Can we talk about life insurance? Oh my god? If

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Speaker 1: you type in how to save a Life, which is

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Speaker 1: the name of this song by the Fray, into YouTube,

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Speaker 1: if you write how to save a life, it says

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Speaker 1: to you you're not alone and gives you a lifeline number,

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Speaker 1: which I actually impressive.

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Speaker 2: Down the CPR path with a bit of stain of life.

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Speaker 1: Well, it's quite sad to think that people are going

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Speaker 1: to YouTube when someone is in a time of need. Yeah,

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Speaker 1: Like it's I suppose you know what, It hasn't times

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Speaker 1: changed that when you're in a situation like that, people

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Speaker 1: feel like they have to go and watch a video

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Speaker 1: to work out what to do next.

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Speaker 2: Yeah, but you can learn the Apple Dance from Charlie

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Speaker 2: XCX at the same time.

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Speaker 3: So you could. So I've told you.

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Speaker 1: I told you guys this around about a month ago.

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Speaker 1: I've been getting scammed on my credit card. So they're

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Speaker 1: taking out fifty bucks a month master Card hopeless, Like

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Speaker 1: I've tried everything to get this. I changed my credit

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Speaker 1: card over three times k and that for some reason,

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Speaker 1: MasterCard and Apple and Apple Pay all this kind of

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Speaker 1: stuff they send out tokens to the people that have

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Speaker 1: direct debits with you, and they.

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Speaker 3: Tell you, oh, hey, they've got a new card. Here's

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Speaker 3: the new numbers.

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Speaker 1: So the scammers are like, awesome, I'll take another fifty

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Speaker 1: bucks out this month.

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Speaker 4: I didn't know on your behalf they let they update

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Speaker 4: your card details?

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Speaker 3: Yeah, give they.

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Speaker 1: Give the scammers your new credit card details so they

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Speaker 1: can keep scamming you.

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Speaker 2: It looks like you ripped off Ryan James fitzgild last month.

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Speaker 2: Have you considered this month again?

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Speaker 3: So I have changed credit cards now.

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Speaker 1: The thing with that and it's it's excruciating because your

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Speaker 1: direct debits and how you're like, oh my gosh, now

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Speaker 1: I got to change all my direct debts.

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Speaker 5: You know.

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Speaker 1: The positive thing about that is that you can work

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Speaker 1: out cost of living, interest rates going up today. You

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Speaker 1: can work out the things that you need and you

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Speaker 1: don't need through your direct debits.

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Speaker 3: Now. One of them was I sat down with BJ

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Speaker 3: and I said, do we need life insurance? And I

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Speaker 3: look at this is so okay.

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Speaker 1: I want to talk to you about this because there's

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Speaker 1: health insurance involved as well. There's a lot of people

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Speaker 1: pulling out of health insurance because that's quite expensive.

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Speaker 4: Wow, all the premiums are going up, aren't they.

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Speaker 1: Yeah, premiums are going up. Car car insurance is another

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Speaker 1: one as well. I mean, I can understand this, but

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Speaker 1: I sat down and spoke to BJ about it, and

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Speaker 1: I'm like, I can't pull out of life insurance because.

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Speaker 3: I'm one of these superstitious people.

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Speaker 1: I honestly believe if I pull out of it, I'm

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Speaker 1: thinking to myself, I'm gone in the next few weeks.

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Speaker 2: You should pull out of it.

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Speaker 6: Now they'll get rid of you.

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Speaker 3: Definite thirteen twenty four to ten.

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Speaker 1: I'd love to hear how quickly disaster to strike after

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Speaker 1: you're canceled an insurance.

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Speaker 3: Now it doesn't have to be is this an AD.

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Speaker 1: It doesn't have to be doesn't have to be life insurance.

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Speaker 1: It can be any kind of insurance that you pull

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Speaker 1: out of, like health insurance would be a great example,

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Speaker 1: and then all of a sudden you've got to end

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Speaker 1: up in hospital for something that's gone wrong.

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Speaker 4: Yeah, or like there are little things with insurance where

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Speaker 4: you can add, say you've got some jewelry and you

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Speaker 4: can just ensure that generally, or you can insure it

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Speaker 4: for even if it's out of your house. Things like that,

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Speaker 4: like if you're traveling with it or whatever and you think,

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Speaker 4: well that's a bit excessive. I just need to be

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Speaker 4: more careful. And then you go on holidays, you scuba

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Speaker 4: diving in the wit Sundays and you lose your watch.

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Speaker 2: I had the same thing fits how the exact same

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Speaker 2: thing happened when there was the windscreen option on the

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Speaker 2: insurance and I went don't need, next day, do need?

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Speaker 3: And it was like the time was extraordinary. What about babies?

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Speaker 4: A lot of people do that, We're not going to

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Speaker 4: have another baby, you know, and they have the fourth

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Speaker 4: child who was like the surprise baby.

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Speaker 3: And they take it off the list.

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Speaker 4: They canceled the pregnancy.

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Speaker 1: Oh it's and then you don't get the private suite

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Speaker 1: when there ain't twenty four to ten? How quickly did

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Speaker 1: disaster to strike after you canceled the insurance, Craig, what

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Speaker 1: happened to you?

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Speaker 7: I about two weeks after I turned twenty one, I

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Speaker 7: had I called a brain fight at work and I

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Speaker 7: ended up in the stroke ward at Bastown Hospital and

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Speaker 7: I had no light. I had no health insurance because

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Speaker 7: my parents covered me till I was twenty one, and

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Speaker 7: then that policy ended up just canceling at twenty one.

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Speaker 3: Oh they were a couple of weeks out, Craig.

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Speaker 7: Yeah, I was twenty one and two weeks or something.

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Speaker 3: Oh no, no, what a dog acts by the insurance?

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Speaker 7: Did you push for it, Craig, I, to their credit,

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Speaker 7: I didn't have to. They called up and they said

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Speaker 7: this is what's happened, and the health insurance went, that's

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Speaker 7: pretty unfortunate. Just backdate the bill and we'll.

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Speaker 2: Cover was a classic, Craig, Is that a that's a

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Speaker 2: good insurance story. That's that's it being a great Australian,

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Speaker 2: that's all that is.

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Speaker 1: It's been justine insurance disasters.

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Speaker 3: This one involved an animal.

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Speaker 5: Yes, it was my horse actually, and unfortunately I canned

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Speaker 5: his insurance which covered him for colleague and general health

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Speaker 5: and also if he did die, I would have got

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Speaker 5: to pay out of his value. And I canceled it,

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Speaker 5: and I think it was four weeks later he colleged,

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Speaker 5: which is like you know, a Tommy ate for a horse,

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Speaker 5: and he ended up in horse hospital. It cost me

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Speaker 5: seven thousand dollars in five days. And I actually signed

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Speaker 5: a waiver when I dropped him off that if he

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Speaker 5: needed surgery, it was going to be another fifteen to

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Speaker 5: twenty thousand.

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Speaker 3: Dollars, No way.

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Speaker 5: Yeah, he ended up pulling through the night, which was

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Speaker 5: a small miracle because he was in a really bad way.

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Speaker 5: So I did bring him home at the end of

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Speaker 5: the week. But yeah, seven thousand in five days, and

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Speaker 5: actually ended up telling him about eight months later because

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Speaker 5: I just couldn't go through the stress and the financial hardship.

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Speaker 2: Again, what do you reckon? The horse was worth forty?

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Speaker 2: Oh you didn't want to drag drag yourself to do?

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Speaker 1: How is there a god that you that you cancel

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Speaker 1: your insurance?

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Speaker 3: In four weeks later that happens, I reckon God's insurance. Oh,

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Speaker 3: that's on Monday, Monday afternoons.

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Speaker 2: He's got an hour scheduled for insurance policies.

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Speaker 3: Outside of that, he's just waiting.

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Speaker 4: He's got an alarm on his phone. Over All the

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Speaker 4: people that cancer insured idiots.

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Speaker 1: I mean that, Saint Patrick stated, Is that is that

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Speaker 1: something to do with your insurance?

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Speaker 6: Le Oh my goodness, Yes, it's quite top cool when

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Speaker 6: we're talking about it. I had been paying landlord's insurance

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Speaker 6: for a couple of my investment properties for years, and

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Speaker 6: then of course I'm like nothing ever happens. It's been

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Speaker 6: like thirteen years for one property and fifteen for another,

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Speaker 6: and then of course as soon as I don't renew it.

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Speaker 6: Last year, a bunch of Irish guys decide we're not

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Speaker 6: paying you rent anymore and we're going back to Ireland

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Speaker 6: for a holiday. They came back to Australia, so they're

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Speaker 6: back here. But we finally got them out that that's like,

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Speaker 6: what's the chances.

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Speaker 1: Hey, we're going home, we're not paying rent, but we'll

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Speaker 1: use the hands again when we get back.

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Speaker 8: Hello cast Hey, hey guys, can you hear me?

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Speaker 2: Got you allowed and clear?

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Speaker 1: What happened to you?

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Speaker 8: I'm loving you guys on this time for as well,

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Speaker 8: so thank you. It's good for the trip home, Oh

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Speaker 8: thank you. So when I got a new car, they

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Speaker 8: asked me the insurance company do you want to pay

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Speaker 8: extra for windshield cover? And I made the comments, nah,

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Speaker 8: you know that's never going to happen to me. But

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Speaker 8: the next day, when I was on the freeway, a

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Speaker 8: rock went through the window.

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Speaker 3: Oh my god, through the window.

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Speaker 8: Cast through the windscreen. Yeah yeah, bounced off the trucks.

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Speaker 8: So yeah, bad luck for me.

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Speaker 2: Yeah, its not fair.

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Speaker 8: Next day next day.

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Speaker 2: World works in weird ways, doesn't it.

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Speaker 3: Cast should cancel cover.

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Speaker 2: Shed, cancel your and.

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Speaker 3: For the rest of my life.

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Speaker 2: Okay, that's got great. We've got one hundred dollars for

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Speaker 2: everyone on the shows. How are you doing? Ye eleven guys.

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Speaker 3: Yeah, they've got a new Japanese Yeah, including the oyster

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Speaker 3: and eggs.

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Speaker 2: So I love the way.

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Speaker 3: What did I say? Sound like the new Japanese crook

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Speaker 3: at the moment after the other.

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Speaker 2: I'll see yourself out.

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Speaker 3: This is a Fitzy with Friend Tate podcast.

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Speaker 5: A great shows like this.

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Speaker 2: Download the Nova player, the app Store or Google playing

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Speaker 2: the player