TOTAL & PERMANENT
DISABILITY INSURANCE

TPD Cover

Total and Permanent Disability Cover (TPD Cover) pays a lump sum if you suffer an illness or injury that prevents you from working again. Because TPD Cover provides a capital sum that you may use as you choose. This is designed to cover medical or rehabilitation costs and provide for your family, as well as help with lifestyle and employment changes to make your life a little easier. TPD Cover is available with Life Care, as a stand-alone policy, or with Trauma cover attached.

How much TPD Cover do I need?

There are many factors that determine the level of cover you require and a practical consideration of the real implications of death or disablement needs to be undertaken. Issues such as relief of debt, funeral or medical expenses, education costs and future income needs must be considered. Realisable assets and existing cover whether that be inside or outside super, also needs to be explored.

Why do I need an Insure Life Financial Planner?

You can purchase Insurance directly from an Insurer or via the services of a Financial Planner. Our Financial Planners are not employed by the insurer’s therefore they are able to assist you in obtaining the best deal. In addition to saving you money on the premiums a Financial Planner will also advise you on the most suitable product for your needs – instead of trying to research the many products that are available yourself, you will receive quality professional advice at no cost!