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HouseKeeper, I will admit some people can self insure, but alot cant, Did you know that for every 1 house lost to fire, 10 will be lost due to death, and 20 lost due to prolonged illness/sickness Now i respect the fact that you might be a millionaire, but alot of us arent and need to insure...

Also, i cant belive people are so negative toward Income protection. If you crash your car you will have insurance, say your write off two cars,, about 60K. You all pay insurance for your car right. Now, who was driving that car?? If you were left a quad, or couldnt work again, thats...

I hold a retail policy in my retail superfund, 30 day wait to age 65.