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It must be that particular policy because mine with Aust Super wasn't for 2 years

You make it sound as its not worth insuring. :) These are options you pick yourself when you're filling out the form. Ofcourse if you only want to work in your own occupation the monthly premium will be higher. If you tick to accept other occupation the premium drops.

It depends on your employer I've got around 2 months saved up

if you're in a low risk office job then it's not very expensive. If you have an accident at work you'll be probably be covered by worker's comp. If you have an accident at home or you got a serious ilness and can't work then that's where it would be beneficial. If you have a lot of sick...

Mine is for a 5 year period and in my personal name (because its fully tax deductible). My life insurance policy is through my industry super. Edit:I did get quotes to do it through my SMSF but since I did have some $ in an industry super I got the policy through them for a lot less