Total & Permanent Disability Insurance
If you suffer an illness or injury that prevents you from ever working again
Total & Permanent Disability (TPD) insurance pays you a lump sum if you suffer an event that means you can never work again. This could be an injury, a disease, or an illness (including mental illness in some cases).
Your TPD pay-out can be used to ensure the financial security of you and your dependents when you can no longer rely on your income.
Key Facts
If your claim is accepted, it will be paid out in either a lump sum or monthly payments.
If you select a Yearly Renewable Term, the premiums for your TPD insurance renew each year in line with factors such as your age. If you select a Level Term, your premiums will not increase due to your age.
You can take out TPD cover on its own or build it in as part of your life insurance (this is called “accelerated” cover).
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Disclaimer: Please note the content provided on this page is intended as an overview and is for general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect new developments in the industry or address your situation. Before making any decisions based on the information provided on this page, please use your discretion, and speak to one of our advisers.