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We found cover was cheaper if it was for 75% of your income (industry funds appear to all be this - could be wrong though). RC, many businesses or self those employed still have business expenses and overheads which don't automatically all go away when you're unable to work, as you would be...

wylie, that pretty well sums up why we've paid it up till now. Our expenses have dropped by about 15K since the eldest left school (that's what we figured he cost us in year 12 anyway). If we cut the income protection, another savings of 7K, that makes us 22K better off. In other words...

This one keeps coming up in conversation lately - and it's me that keeps bringing it up. We also pay 11K and I think it's insane. 7K of that is income protection for my husband. I see us dropping it soon. Why, #1 it would be tight but we could live on one wage if we had to (as it is he's...