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One can insure a burning house for the right premium. Of course ip et al should be geared to need and not just sold as a blanket policy. Most hnw peops don't need much in the form of ip The challenge is that many that think they are in the " not needed" category Are the most needy Ta...

most super based insurance has a max claim period of 2 years. Its one of the ways that they can keep costs lower, but dont necc make that terribly obvious. I have 2 clients that have been on Income protection for more than 10 years, they'd be having issues if they only had inside super...

and if you require ongoing after 2 years ? ta rolf

commercial airline pilots miners, prof sports people and many others. Ta rlf

Sometimes. Its always good to check the details of the policy ta rolf

case by case obviously as a minimum I recommend for the remaining cost of childcare and housekeeping, up to a point where the premium becomes silly. ta rolf

ah yes the uninsured spouse syndrome ...................... ta rolf

I am largely self insured on the income side too. Possibly for different reason though. I can not agree in any way shape or form that such insurance is an emotional decision, and your view does need to be qualified in case someone takes it as "advice", as some no doubt will. Most cant make...