Why Are Insurance Premiums So High in 2025?

Insurance premiums have skyrocketed - but why? In this episode, we break down what’s behind the soaring costs, why older income protection policies are being priced out, and how to structure your cover to stay protected without blowing your budget. From real-life case studies to smart tax hacks, we cover everything you need to know to protect your biggest asset: yourself.On this episode, we discuss:(00:00) Intro(00:07) Why Have Insurance Premiums Skyrocketed?(01:40) The 4 Main Types Of Personal Insurance(02:36) How Income Protection Works (And Why It’s Crucial)(05:58) Why Older Policies Are Being Priced Out(09:59) What You Really Need To Cover: Mortgages, Education, Income(12:08) How To Get Cheaper Premiums Without Sacrificing Coverage(16:21) Case Study: Truck Driver’s Life-Changing Insurance Payout(18:08) Case Study: Stroke Victim With Only Default Cover(30:50) Super Hack: Use Your Super To Pay Insurance PremiumsCheck out the free resources from Inovayt here.Send us an email: [email protected] Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.