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Generally, 3 month waiting period is the most popular - things like work cover (if applicable) cover you anyway, so insurance companies aren't out of pocket at that stage. Step vs level doesn't make much difference to the insurer. More to the agent (their commission is based on premium...

Just to add a different perspective to this conversation, I used to work for an insurance company. Say you went and got insurance from ABC Insurance, outside of your super. Your industry super fund typically simply pass on the insurance to an insurance company - which could be ABC...