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I don't know about income insurance, but as far as my disability insurance goes it's not that expensive. About $1k per year which is then tax deductible. My life insurance is inside my super so doesn't cost anything out of pocket.

Loss of employment, no. Disability, yes out of pocket - not sure I need it, but what the hell, isn't that expensive after tax deduction. Life, yes through superannuation. Had it all set up for me by my FP.