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I stand corrected jacked. I'm thinking of ALI. TAL is a very different proposition and they do perform upfront assessment. Income protection via super may pay until age 65, but it's up to your super fund to determine if the funds will be released.

By taking income protection through your super, the likely outcome is that you'll only be able to access the money for 2 years. If you can't work for more than that you'll be in trouble. @jacked: Colonial insurance policies are assessed at the time of application. TAL is assessed at the...