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Because you are more likely to claim for something if your waiting day period is 30 days.

You may be hard pressed to find a 9 month wait, 180 days (6 months) is available through most of the large companies or otherwise it is 1 or 2 years.

Other wise if you PM me your email address I can email you a dealership (my PM's don't work so I can't PM you back) who has advisers all over the country. Australia is the most over insured country on earth and living in Sydney it's heart breaking to see how much the industry make, especially in commissions...anyway I'm anti-insurance.

I have building for my houses only, and comprehensive car, and I've used all policies many many times -- as for the other stuff - life, income, health - all frivolous in my opinion.

I only discovered how high the premiums will go recently when he sent us a projection. To cover paying out the mortgage and 2 years of dh's income and maybe a bit more.

Can't understand why he didn't explain this to us in the first place. We have 5 children I couldn't think of anything worse than having to worry about money if the unthinkable happened.Don't touch those funeral plans with a ten foot pole - my Mum had one and it took a thousand hoop jumps to get them to pay out.We had paid the funeral director months before they finally coughed up her money.But the thing is the savings are not usually as much because if you are going to claim for something that you have waited 90 days for you are most likely to also claim for that samething if you wait 6 months (I hope that makes sense)He probably can get IP through super, but I would go through it being owned by him.The definations to meet are much better if it is through individual.Thanks ladybird, I will ask our financial advisor about it.