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Leigh, The bloke that I dealt with was from iselect. I basically requested a quote for IPI online and he rang me to discuss. According to him only MLC do IPI for Police and they cover for only a max of 5 years payments in event of claim. And the longest wait period pre claim was 90...

Sooooo True!!!!!!!!!!

I'm in a similar boat and I was hoping they could atleast offer me a 6 or even 12 month wait to reduce premiums due to me having sick leave and LSL of almost 12 months and death and TPD insurance, but according to the broker they could only offer a 90 day wait. Which company did you get your IPI...

It turns out its a mute point anyway. I don't qualify for decent IPI. You guys got me thinking that it wouldn't hurt to get a few quotes so I did. Because I'm a cop who (shock horror) carries a firearm on duty and works the means streets only 1 insurance company will touch me for IPI. Even then...

No big deal. Sell a property. Maybe sell some shares. Defer an overseas holiday etc etc.

My super fund covers me for Death and Total and Permanant Disability, plus my 11 months paid leave should be plenty of income and time to reassess our portfolio and decide whether or not to sell anything. Plus we would have Sarah's salary. To put our financial situation into some context...

The wife has IPI via her super for cover of about $5000 per month or so. (she is planning on giving up work in less than 2 years anyway so more expensive insurance makes no sense). I don't have IPI due to me having saved up about 8 months sick leave and 3months LSL over the last 16 odd years.