What would actually happen if you couldn’t work tomorrow… and your income just stopped? Because here’s the uncomfortable truth: Insurance isn’t gender neutral. Women experience more time out of the workforce, more chronic and reproductive health conditions, more mental health claims, and we live longer. This episode breaks down exactly how being a woman changes your insurance, why women claim more, and what that means for your safety net. If you’ve ever assumed your cover is “probably fine” because it’s in your super, this episode might change your mind. 

In this ep: 
💸The uncomfortable stat behind why women claim more
💸What a past mental health diagnosis really does to an application (and why it’s not always permanent)
💸Why pregnancy, mat leave and part time work can affect your cover 
💸How conditions like endometriosis, PCOS and family cancer history are actually assessed 
💸Trauma vs income protection vs private health, and why they are not interchangeable
💸When exclusions can be reassessed, reduced, or removed entirely
💸Why DIY applications can accidentally make you uninsurable

SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. 

EVEN MORE EPISODES: Listen to our insurance playlist here.


Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 45128

 

What would actually happen if you couldn&rsquo;t work tomorrow&hellip; and your income just stopped? Because here&rsquo;s the uncomfortable truth: Insurance isn&rsquo;t gender neutral. Women experience more time out of the workforce, more chronic and reproductive health conditions, more mental health claims, and we live longer. This episode breaks down exactly how being a woman changes your insurance, why women claim more, and what that means for your safety net. If you&rsquo;ve ever assumed your cover is &ldquo;probably fine&rdquo; because it&rsquo;s in your super, this episode might change your mind. In this ep: 💸The uncomfortable stat behind why women claim more 💸What a past mental health diagnosis really does to an application (and why it&rsquo;s not always permanent) 💸Why pregnancy, mat leave and part time work can affect your cover 💸How conditions like endometriosis, PCOS and family cancer history are actually assessed 💸Trauma vs income protection vs private health, and why they are not interchangeable 💸When exclusions can be reassessed, reduced, or removed entirely 💸Why DIY applications can accidentally make you uninsurable SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them <a href="https://bit.ly/4k3sM0d">here</a>. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. EVEN MORE EPISODES: Listen to our insurance playlist <a href="https://open.spotify.com/playlist/1kdVBELk5klU7yzzFblSqe?si=ec9211d5a2c34fc9">here</a>. 
Join our <a href="http://word/fontTable.xml">Facebook Group</a> AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on <a href="http://word/theme/theme1.xml">Instagram</a> for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 45128
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Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.&nbsp;&nbsp;

Empowering you to take control of your finances, one relatable, brunch-worthy chat at a time.

She's On The Money

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

How Being a Woman Changes Your Insurance (and Why We End Up Claiming More)

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/2f710980-3448-4b7f-ac32-b402017f863e/transcript