Yes DH and I got it when DS was born. About 350k each, enough to cover the mortgage and debts and give some wriggle room. At least I know my family will have a roof over their heads for life if something happens. It's really not expensive, I don't even notice the direct debits monthly and ours includes $10,000 funeral cover that pays out within 48hrs. Ours is with Suncorp as all our other stuff is. DH and I have hardly any super so we knew super wouldn't do anything much if something was to happen and we needed a backup plan


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