Have just received renewal for husband's income protection and life insurance and we are for the first time considering not renewing. Our kids are now both working and we are 2.5 years away from retirement and access to superannuation. If worst scenario and husband hit by bus I could live on (just) income from investment and if his super was released early so much the better. If he becomes ill and can't work ditto above. He is self employed and I don't work. Any thoughts, what would you do?