Ive done some looking of my own and I can get more cover for less outside of my insurance company. Its just a question as to if they will accept to cover me or not I guess. I havent gone through with applying yet as I want to really research this. Is there some sort of company/financial planning service that can help you with this sort of thing without costing a small limb?

As for TPD it seems their is a minimum number of working hours for it? Does that seem right?

Cherished I looked at income protection but I dont work enough hours yet to be eligible (not to mention afford it lol).

So at the moment Im concentrating on the life side of things.