Protection in the form of a lump sum payout when you’re unable to earn a living
What is Total and Permanent Disability (TPD) Insurance?
Total and Permanent Disability (TPD) insurance delivers a lump sum payout if you become totally and permanently disabled due to an incident or illness. The payout helps cover mortgage repayments, education fees, living expenses, medical costs, rehabilitation, and home modifications. TPD cover can be paid from your superannuation fund for a tax-effective strategy. Key TPD Cover Features: -Tailored coverage based on your needs and financial situation -Options for "Own" occupation or "Any" occupation coverage -Access to leading insurance providers for the best policies -Expert guidance to help you understand and choose the right coverage -Ongoing support and policy reviews to adapt to your changing circumstances
Determining Coverage Amount:
When choosing the appropriate TPD coverage, consider potential expenses, such as outstanding debts, medical and rehabilitation costs, home modifications, daily living expenses, and desired retirement savings. Our team will work with you to ensure your coverage aligns with your unique needs and offers the financial protection you deserve.
The process
Let us assist you with securing your future.
Step 1: Discover
Our experts gather information to present tailored insurance options for your needs. We explain each type and how to customize them to suit your lifestyle.
Step 2: Choose
You can confidently compare options from most of Australia's retail insurers. We provide the essential information for informed decisions, simplifying the comparison process.
Step 3: Secure
We handle the paperwork and finalise coverage for peace of mind. Our ongoing support keeps your insurance adaptable to life's changes, ensuring protection.
Our FAQ
Got questions? We've got answers
"Own Occupation" TPD covers you if you become permanently disabled and are unable to perform your specific job, while "Any Occupation"
TPD covers you if you're unable to perform any job reasonably suited to your education, training, and experience. "Own Occupation" coverage typically has higher premiums but offers a better chance of a successful claim.
Insurers may exclude or limit coverage for pre-existing medical conditions. It's essential to disclose your medical history when applying for TPD insurance, as failure to do so may result in a denied claim.
Yes, you can typically adjust your TPD insurance coverage as your needs change. However, increasing your coverage may require additional underwriting and may affect your premium.
Factors influencing TPD insurance premiums include your age, gender, occupation, health status, lifestyle choices, and the amount and type of coverage you choose.
To make a claim, contact your insurer as soon as possible and provide the necessary documentation, including medical records and proof of disability. The insurer will assess your claim and determine eligibility for benefits.
There are no lock-in contracts with personal insurance so it can be changed as life does. Generally you should think about reviewing your insurances when life changes (such as buying a home, changing jobs, changing marital status or having children). While we’re always available to chat, we’ll also contact you every two years to offer a full review of your insurances to ensure they still meet your needs and stay affordable.
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