A serious illness or injury can permanently change your ability to work — and your ability to earn an income. Total & Permanent Disability (TPD) insurance is designed to provide financial support if you become unable to work again due to disability.
TPD cover provides a lump sum payment that can help you adjust to life after a major setback, without immediate financial pressure.
What TPD cover provides
TPD insurance can help with:
Paying off or reducing debt
Covering medical and rehabilitation costs
Modifying your home or lifestyle
Replacing lost income
Supporting your family’s financial needs
It’s about protecting your future when earning an income is no longer possible.
Understanding TPD definitions
TPD policies can vary significantly between insurers. Definitions around “permanent disability” and claim conditions are critical — and often misunderstood.
We help you understand:
The different types of TPD definitions
How claims are assessed
The importance of policy wording
Which structure best suits your occupation and circumstances
This ensures your cover performs as expected if you ever need it.
Structuring TPD correctly
TPD cover is often structured alongside life insurance, but it doesn’t have to be. We’ll help you decide:
Whether to link or separate policies
Appropriate benefit amounts
Premium options that fit your budget
Our advice is practical and personalised, not product-driven.
Peace of mind through clarity
TPD insurance is about certainty — knowing that if the worst happens, you’ll have the financial resources to move forward. We make sure you understand your cover clearly, without complexity or confusion.