# 624 personal insurance: DNA, dollars and the 40% premium shock!

Page: https://stenobird.com/podcast/dev-raga-personal-finance-1303633/624-personal-insurance-dna-dollars-and-the-40-premium-shock
Text version: https://stenobird.com/podcast/dev-raga-personal-finance-1303633/624-personal-insurance-dna-dollars-and-the-40-premium-shock.md
Podcast: [Dev Raga Personal Finance](https://stenobird.com/podcast/dev-raga-personal-finance-1303633)
Published: 2026-06-23T19:10:00+00:00
Episode link: https://shows.acast.com/my-millennial-money-medical/episodes/624
Audio file: https://sphinx.acast.com/p/open/s/62fa0e8b26f5af0012802e7b/e/6a336372e312351cc43a0a5c/media.mp3
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JSON: https://stenobird.com/v1/public/podcasts/dev-raga-personal-finance-1303633/episodes/624-personal-insurance-dna-dollars-and-the-40-premium-shock
Duration seconds: 3005

## Resource

In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack: 👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance 👉🏿 can insurers request your full medical history from your GP? 👉🏻 how does this legislation change impact you? 👉 what is TPD aka total and permanent disability cover? 👉🏼 3 types of ways to get insurance - retail, group & direct 👉🏽 the cost of getting insurance inside vs outside of super 👉🏾 the premium rise shock with super funds 👉🏾 how any vs own occupation affects your payout eligibility 👉🏿 how blue collar vs white collar ratings impact your premiums 👉🏻 Matt's personal money win 👉 who helps with getting claims paid out? Interested in connecting with Matt and the Skye Wealth team? Visit https://skye.com.au Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au To chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG…

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