Total and Permanent Disability (TPD) insurance

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TPD insurance provides a lump sum if you suffer an illness or injury that leaves you totally and permanently disabled.

TPD insurance benefits are often used to eliminate debts, pay for medical expenses or fund any permanent lifestyle changes resulting from disablement.

TPD definitions can vary depending on the particular product and insurance policy. Most companies allow you to choose whether you want coverage against being unlikely to be able to work in your 'own' occupation or in 'any' other occupation again, after suffering an illness or injury.

We can help you consider what definition is most appropriate for your personal circumstances as well as calculate the appropriate level of cover to protect you and your family.