Let’s face it earning an income is important, it pays for our necessities and allows us to save, invest and build wealth for retirement. To suddenly find yourself in a situation where you cannot earn your income because you’re ill or injured is a distressing prospect. With no income how are you going to pay those mounting bills, never mind day-to-day expenses? And if you’re like most Australians,r a super funded life insurance, which in most cases provides basic standard cover and temporary injury or illness is not included.