I was getting life insurance through my super, however you become ineligible to claim a benefit when you haven't had any contributions from your employer for 12mths; it doesn't matter if you pay your own contributions, you still aren't eligible to collect. DH is in the process of seeing if he is able to get me covered under his super.
This would depend on the trust deed of the individual super funds. Every single fund will have different rules.

Sorry I don't have the answers to the OP questions. Interesting thought though. We get FTB & CCB in my name just because I filled in the forms (we are both aust). I'm not sure what DH would do if I died.