Kathy and her husband bought a new house so they decided to check if the life insurance and income protection insurance they had through their super funds were enough to cover the mortgage repayments if either of them died or couldn’t work anymore. When Kathy and her husband called their super funds they were told they could only be given general advice. They were given information about the features of their insurance products and their current level of cover. They were advised to consider all their debts and expenses, not just their mortgage repayments. Kathy and Joe realised they needed to have a closer look at their finances to work out the level of insurance cover they needed.