Total & Permanent Disability Cover
Total and Permanent Disability insurance is designed to provide financial support if illness or injury permanently prevents you from returning to work.
Broker vs insurer
what’s the real difference?
Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you
Access to more than one insurer
We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.
Advice tailored to your life
Your cover is structured around your income, responsibilities, and future plans — not a standard package.
Cover designed to work at claim time
The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.
Ongoing support as life changes
Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.
Support when you need to make a claim
If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.
A long-term relationship, not a one-off transaction
We’re here to support you over time — not just when your policy is first set up.
Permanent disability can affect every part of life
The financial consequences of permanent disability can extend far beyond income loss alone.
- Without TPD cover
Life changes permanently
Illness or injury permanently affects your ability to return to work.
Long-term income loss begins
Financial commitments continue despite the loss of earning ability.
Savings and assets may become heavily impacted
Long-term living costs may place ongoing pressure on finances.
Lifestyle changes may become necessary
Housing, lifestyle, and future plans may need significant adjustment.
Long-term financial stability becomes uncertain
Financial pressure may continue for many years ahead.
- With TPD cover
A lump sum payment becomes available
Financial support may help provide long-term stability.
Debt and commitments can be reduced
Mortgage and financial obligations may become more manageable.
Greater flexibility becomes available
There is more ability to adapt lifestyle and future planning.
Family stability is better protected
Financial support may help reduce pressure on loved ones.
Long-term financial pressure is reduced
There is greater certainty during a major life change.
Frequently Asked Questions
Honest answers to help you understand life insurance before you make any decisions.
What exactly counts as “Total and Permanent Disability”?
TPD generally means you are permanently unable to work again due to illness or injury.
What is the difference between “Own Occupation” and “Any Occupation” TPD?
Own Occupation: Based on your ability to do your specific job
Any Occupation: Based on ability to do any job suited to your experience and training
Will I still be covered if my disability is caused by illness rather than an accident?
Both illness and injury can qualify, provided they meet policy definitions.
How much TPD cover do I actually need?
Typically enough to repay debt, provide long-term income support, and fund lifestyle adjustments.
What exclusions or limitations should I be aware of?
Pre-existing conditions, hazardous activities, and some medical conditions may be excluded.
Some life changes are not temporary
TPD cover helps provide long-term financial support if illness or injury permanently affects your ability to work.
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