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(Total and Permanent Disability) TPD Insurance provides a lump sum payment in the event you are unable to work due to accident or sickness and are unlikely to ever work again.

The benefit you receive from a TPD Insurance Policy can be used to pay down debt, replace lost income and cover additional out of pocket expenses such as medical, rehabilitation and lifestyle adjustment costs.
Determining whether a person is totally and permanently disabled is often a complex process that is based great deal of subjectivity. It doesn't help that the definition of TPD often varies between life insurance companies. Because of this TPD claims can be difficult and drawn out affairs.

In general, to meet the definition of TPD, you must be unable to work at all in your current occupation and, based on the professional opinion of two or more medical specialists, unlikely to be able to work ever again.

More detailed information about TPD insurance can be found in our blog. And our life insurance specialists are always available to answer any questions you may have.
Yes.

TPD Insurance can be purchased as a standalone policy or bundled with life insurance.

Some life insurance policies only offer TPD insurance as an add-on to the life insurance.

There are pros and cons associated with both options. Please contact one of our life insurance specialists if you would like help choosing the best option for your situation.

Yes.

Like Life Insurance, TPD Insurance can be owned (and funded) by a Superannuation policy.

There are pros and cons associated with both options. Please contact one of our life insurance specialists if you would like help choosing the best option for your situation.