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What is  Total & Permanent Disability (TPD) Cover?


Total & Permanent Disability (TPD) Cover is an additional benefit that can only be added to your  Life Cover for extra protection.

TPD Cover protects you and your loved ones by paying a lump sum benefit should you suffer a total and permanent disability and can no longer work in any occupation or manage your home. With a benefit amount from $50,000 to $1,000,000 (depending on age), you can rest assured that you and your loved ones could be provided for should the unexpected occur.

Remember, although  Life Cover pays a lump sum should you pass away or become terminally ill, it doesn’t offer a benefit should you become permanently disabled and unable to work in any occupation or manage your home.

Do You Have a Plan in Place if You Could No Longer Work or Manage Your Home?

According to the Australian Bureau of Statistics (ABS), there were 4.2 million Australians with a disability in 2012. Out of these individuals, 88% percent had a specific restriction that limited the daily activities of self-care, mobility, communication, schooling, or employment.

It’s important to ask yourself if you were unable to work again – whether it be in any paid employment or managing your home 

how you could provide for yourself and your loved ones?  


TPD Cover could help with a number of commitments over your working life, which could span more than 30 years:

  • Pay your outstanding debts, such as a mortgage, car payments, or credit card debts

  • Cover medical expenses

  • Modify your home or purchase a modest home to be modified for a disablement, hire a housekeeper or carer, or afford ongoing rehabilitation

  • Manage your everyday expenses, such as bills, groceries, school fees, or childcare

  • Replace a source of income


Why Should I Consider TPD Cover?

  • Part-time workers and homemakers can apply

  • Benefit from $50,000 to $1 million (depending on age), with premiums to suit your needs and budget

  • No medical or blood tests in most cases

  • No complicated forms

  • 30-day cooling-off period

  • Automatic inflation protection

  • Guaranteed cover to age 65

  • 24/7 worldwide coverage

  • Available to all Australians aged between 18 and 59 (next birthday)

  • Easy application process with specialist staff to guide you

  • Fortnightly, monthly, and annual payment options.


TPD Cover is available as Linked to your life cover or as stand alone cover.


All the information provided in the website are general only. Refer Product disclosure document (PDS) for accurate information.


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