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.

With TPD cover

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.

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.

How much life insurance cover do I actually need?

It depends on your income, debts, and the people who rely on you. A general starting point is 10x your annual income, but the right amount varies based on your mortgage, family size, and long-term financial goals. We help you work this out properly.

What's the difference between life insurance and trauma cover?