Maintain your lifestyle if the unexpected should happen

Total and permanent disablement (TPD) insurance ensures your family’s financial obligations are taken care of. It can be invaluable when it comes to dealing with your disability and adjusting to a new way of living.

  • Access multiple TPD insurers
  • Protect against the loss of income
  • Cover the cost of ongoing care
  • Customise the level of cover to your needs

Get a quote from a TPD specialist

Permanent Disability Cover allows you and your family to focus on adjusting to the new circumstances and takes the pressure off worrying about the financial obligations Get a Quote

No one thinks it can happen to them, but it can happen to anyone.

The thought of suffering from a terrible accident or disease that can strip you of your ability to ever work or earn an income again is something few people want to think about.

Total and Permanent Disablement (TPD) insurance offers financial security for individuals in the event that the unthinkable happens. Not only can a disability affect you and your family emotionally, if you’re unprepared it can also spell financial ruin. TPD insurance offers some measure of relief in these trying times by providing the cash needed to help pay your mortgage, monthly household expenses, and even a range of expenses related to your disability.

We are not invincible.  A permanent disability can happen to anyone.  If it does, how would you cope financially? Get a Quote

TPD Insurance can offer peace of mind in otherwise emotionally charged times.

The knowledge that your family’s financial obligations are taken care of can be invaluable when it comes to dealing with your disability and adjusting to a new way of living.

With some TPD policies, you may elect to purchase cover that will continue to pay even if you are eventually able to work in a field outside of your original or chosen profession. Each insurer has their own definitions of what constitutes total and permanent disablement. You choose the amount of TPD benefits you wish to receive when you purchase your TPD policy. To understand the benefits, ask a financial planner for guidance before you purchase your policy.

TPD Insurance gives you peace of mind that your family will have financial cover Get a Quote

TPD Insurance provides a lump sum that will enable you to:

  • Pay out the mortgage or remaining debts
  • Meet ongoing medical needs
  • Modify your home
  • Support the ongoing household expenses
  • Provide for ongoing children’s education and costs
  • Maintain your assets & investments


Receive a Lump Sum payout to help when you need it most Get a Quote

Greg, a 31 year old former sales manager, is married with two young sons.

Once an avid runner, Greg was out on his routine five mile trek early one morning when a passing car hit him, throwing him onto the gravel shoulder of the roadway. Greg was rushed to hospital and soon learned that he had suffered a spinal injury that left him a quadriplegic.

Greg had TPD insurance valued at $1.7 million and his family was able to keep their house and maintain their lifestyle. He was also able to afford top rehabilitative specialists. Although Greg is confined to an electric wheelchair he enjoys a quality of life he may not have had without the benefits of TPD insurance.

Man jogging on the beach Get a Quote

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