Ok went to see a f/a about getting income protection etc. Came out with my head spinning, he has suggested getting some package that gives me income, life, tpd that comes out of my super but cost something like 3k a year & then get critical illness cover which I pay $100 a month for. I was looking for just basic income protection & I earn an ok wage & it's a tax deduction. I dont know if i'm being taken for a ride or not & what's the go with the cover coming out of my super? Is that a good idea or not? Any advice would be really appreciated.