Thanks so much for the replies ladies, you have given me some great directions and thoughts to think about. I did read your replies from my phone yesterday. I had a look at our super policies and I think we are covered (well DP is for income) and I have a payment called "Death Benefits" but it doenst really describe how and what they are so will call on Monday. Also reminded me I have to roll over my super, so will compare what the two of the offer and then choose which to roll over.

Kylz - I tried to pm you back but it kept coming up witha error message. I will try again later, but thanks it would be great. I will call and speak with my super company first and then compare

Spoke to my family and now everyone seems to be trying to organise it, my parents are looking into the prepaid funeral idea, so thanks for that ladies bit grim for a Friday night but it has been a no go topic in my family for too long I think.

Thanks again.