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thanks grantwhit If your super company pays your life / income insurance then do they take a % of that cover - rather than a lump sum fee pa - if you paid it yourself?

Thanks PT I'll have to stop looking at properties and start looking at insurances.

Apologies in advance for topic I am in the process of coming up with an IP strategy for us to reach our goal - definately the hard part. Owing possibly millions does not bother me but What happens if me or my husband die in our accumulation stage? If a property is in his name...