It's interesting how quotes vary! Three times now I have looked into changing our insurance and searched for days getting quotes and comparing apples with apples. The cheapest is still by far my super fund and I mean quotes were at least double elsewhere (I am not exaggerating). My dh even rolled over a portion of his super into the different fund which I was already with because the premiums in his fund were much higher. Then we set up a SMSF and we still left a portion in the old super fund just so that we could have our life, TPD and income protection insurance through that super fund. I also read every clause, yep, pages and pages and pages worth and compared everything! Once you've done your research and decided you'll be glad you have the cover.