Total and Permanent Disability (TPD) insurance provides a lump sum payment if you become permanently unable to work due to illness or injury.
This cover is crucial for managing medical expenses, modifying your home, and replacing lost income if you can no longer earn a living.
We help you understand the difference between ‘own occupation’ and ‘any occupation’ definitions — and tailor your policy to reflect your industry and lifestyle.
Why it’s important:
- Covers loss of ability to work permanently
- Provides funding for rehabilitation or home modifications
- Reduces reliance on family or Centrelink
