When work isn’t an option anymore
If illness or injury means you can never return to work, Total Permanent Disablement (TPD) insurance provides a financial lifeline.
The lump sum can cover medical care, debts, and daily costs, giving you and your family long-term security.
Why you might need TPD Insurance
A serious illness or injury can change your life in an instant. TPD insurance provides a financial safety net if you’re permanently unable to work. It helps cover ongoing living costs, medical expenses, or even home modifications, giving you security and options in the face of life-altering challenges.
Provides a lump sum payment if you can’t work.
Helps cover ongoing living costs and debts.
Eases financial pressure during a major life change.
Protects your family’s financial stability.
Coverage highlights
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Lump sum payment if you’re permanently unable to work.
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Flexible cover amounts tailored to your needs.
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Can be bundled with life or trauma insurance.
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What does ‘total permanent disablement’ mean?
It means you’re permanently unable to return to work because of illness or injury. These are the times where having a fallback option can mean the world to you and your family.
How is the payout made?
Once approved, it’s paid as a tax-free lump sum.
Do I need TPD if I already have life insurance?
Long story short, you might. They cover different risks and many people choose to have both. We’ll help you figure it out.
Time to protect your future?
A quick chat is all it takes to get started. We’ll explain your options, answer your questions, and help you find the cover that feels right.
