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That won't cost much :). Family will survive somehow as long as there is a roof over their head. However, what if we are disabled!! That is the scary part.

That's not very smart. I haven't met many tennis players who didn't have tennis elbow at some point in time.

I'm in the process of moving income protection from super to outside and increase the death insurance in super. While I'm doing this I thought I will look at the Trauma as well. However it looks like they are not going to cover my knee (becasue I had knee pain after playing too much tennis) and...

Can you please tell me which option gave them the lowest profit or the least favourite? :) 1. Wating period (income insurance). Is it 3, 6 9..etc months 2. Step Vs level

Does it mean we need to do a new ‘underwriting’ each time we review? Isn’t, generally, our health is going to get worse over time which would increase the premium? Life insurance: I agree. I think the super is enough as generally this can pay the home mortgage so that the family can atleast...