Total and Permanent Disability

(TPD) insurance 

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.

Australian Facts & Figures

  • Diabetes is the fastest growing chronic disease
  • As a result of the 9,000,000 overweight adults there will be an extra 700,000 hospital admissions in the next 20 years
  • Around 60,000 strokes occur each year, 1 every 10 minutes
  • 88% of disabled stroke surviors live at home requiring ongoing care
  • Ratio of women to men with MS is 3:1
  • Statistics The Risk Store 2010