When did you take the insurance out and what type of insurance is it? Can you get a copy of the form you filled in when you first took it out and the terms and conditions that applied at that time? Read through them with a fine tooth comb.

ALSO - if this is in relation to income protection arrangements, you should check whether the company that does your superannuation has any income insurance arrangements that you may be eligible to claim under.

And that's about the extent of my knowledge, sorry.