I just started a thread on this the other day (silly me). DH and I are now insured with AXA, I have Death and TPD cover of $600K for $7.10 a week coming out of my super. DH's super fund was expensive, so we opted to find and pay for his cover out of our own pocket. He now has cover (also with AXA) for Death and TPD $800k as well as Trauma Insurance for $100K we pay $120pm. It is expensive because of the Trauma Insurance, I was advised that 1 in 3 will end up putting in a claim for trauma insurance hence the cost.