My super fund still covers me for Life insurance (I haven't worked for 3 1/2 yrs) but after 12mths of no contributions it ceased the TPD payment. I'm fortunate that my super has enough in it to be earning more in returns than the current insurance premiums so it is still going up, plus added to the Life Insurance amount my family would be well cared for if anything happened to me.

DH on the other hand had a really low Death amount with his super so I made him adjust it as if anything happened to him I wouldn't have even had enough to cover the mortgage, plus we also made sure his TPD was going to be sufficient to cover as well, seeing he is the sole income earner.