The role of insurance in super continues to be hotly debated. But without it, most working Australians and their families would have no form of lifestyle protection. According to a 2017 report by independent consultants Rice Warner, the super industry is the leading provider of death and TPD insurance in Australia, accounting for 71 per cent of all life cover and 88 per cent of all TPD cover. Many workers who do not normally take out insurance cover or would not otherwise qualify have it automatically provided to them when they join a super fund. For many, it is the...