Life / Death / Disability Insurance

[SauRoNZA]

rather stick to a broker

you are wanting a life insurance politicly that will pay your nominated beneficiary directly upon your death.
you are wanting funeral cover bundled into that.
you are wanting disability cover that will pay you directly.
you are wanting income protection that will pay you directly

the important thing in all this is ease of claim in any of these insured events.
you should assume a 3rd party / beneficiary / representative may have to lodge a claim.

Partly why I am considering keeping the Old Mutual policy in place and putting anything in my personal capacity in place on top of that.

Same way I really had it when my company provided it, they would pay near-instantly and then the Old Mutual stuff would happen in time.