Thanks everyone for all your advice.
I spoke to work and they confirmed that our super scheme does not automatically provide Income Protection insurance. But, I can add it as an option if I choose and it comes out of my pre tax salary. So I think I'll definately do that.
I've made an appointment to talk to a Financial Planner to suss all my other queries out.
Lib thanks for the heads up on Funeral cover too. It was more so a query as to if it was worthwhile - which it sounds like it isn't.
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