Miss E that is really helpful thank you!!

I was just talking to my cousin the other day about the LI & IP coming out of super but wasn't certain how it all worked, we will discuss it next week. Our IP, LI and DH's super are all with the same company. Definatley an option.

And it's also great to know that we aren't tied to a certain company like you said. I've learnt so much in the last few days.