Total and permanent disability (TPD) insurance is a type of insurance policy taken out to provide you with financial support in the event you were to become permanently disabled due to an accident or illness.
TPD insurance pays out a single lump sum payment to help you access medical services and rehabilitation treatments to improve your quality of life.
To apply for total and permanent disability insurance you must be employed in a paid job role.
Total and permanent disability (TPD) insurance is an important insurance to consider to safeguard your financial future, and that of your partner and family, in the event of a serious accident or illness that causes you to become permanently disabled.
TPD insurance is used to cover medical costs and rehabilitation treatment required after an accident or serious illness causes you to become permanently disabled. You are provided with a lump sum payment that can be used for these costs, as well as helping you with financial expenses as a result of no longer being able to work.
Discuss your individual circumstances with your insurance broker to determine a suitable amount of coverage.
The amount of TPD insurance you need is dependent on your circumstances. It is recommended that you consider your current living expenses, debts and medical expenses that may be incurred if you were to become permanently disabled.
To take out a TPD insurance policy please contact our team to book an appointment to discuss your circumstances and what coverage you need.
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Any information or advice contained on this website is general in nature and has been prepared without analysing your personal situation, financial needs and objectives. All products and information displayed on this website is subject to insurance policy terms and conditions including eligibility criteria, exclusions and limitations. You should carefully read the Product Disclosure Statement (PDS) of our insurers to ensure that the product fits your needs. A copy of each PDS is available on this website or by contacting us.