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	<title>Money magazine Comments - When you need - and don't - need insurance through super</title>
	<description>Young Aussies are no longer automatically signed up for insurance through their super. So when is the right time to opt into life, TPD and income protection insurance?</description>
	<link>https://www.moneymag.com.au/feed/latest?story=179801901</link>
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	<language>en-AU</language>
	<copyright>Copyright 2026 Money magazine</copyright>
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