Feel secure with Total and Permanent Disability (TPD) insurance
Your quality of life is important. TPD insurance protects you and your family should you become totally and permanently disabled.Compare now
Benefits of Total & Permanent Disability Insurance
- Help cover medical expenses
- Get financial help for permanent lifestyle adjustments
- Manage expenses and debt repayments
- Claim when a medical specialist tells you to stop working
Learn more about TPD Insurance
What is Total and Permanent Disability (TPD) Insurance?
TPD insurance provides a lump sum payment if you become totally and permanently disabled due to an illness or injury and cannot return to work.More
Why do I need TPD insurance?
Becoming totally and permanently disabled through illness or injury has an enormous impact on anyone’s life. There may be a number of changes and lifestyle adjustments, which require significant financial investment such as home modifications or rehab treatments.
Having TPD in place means that at such a difficult time you and your family have help to cope financially.More
How much TPD cover do I need?
Getting the right amount of cover is important when it comes to choosing your TPD insurance. Too little cover can mean that a claim doesn’t meet your needs, while too much cover can mean you’re paying more than you have to. Our life insurance calculator helps you determine how much cover you may need.More
How will my health affect my application?
Insurers generally take into account different personal and lifestyle attributes when considering a TPD insurance application, including your age, height, weight, medical history, occupation, family health history and smoking status.
If you have pre-existing health issues when you apply for cover, you may need to pay a higher premium rate than normal (known as a ‘premium loading’) to cover the additional risk or the insurer may apply an exclusion to that condition or in some cases an insurer could potentially decline the application.More
How can I decide which cover type or product is right for me?
At Lifebroker we don’t compare different policies solely on price, we also provide you with a snapshot of the different product features and an overview of each company on size and claims paid. This information can help you make a confident decision about what insurance suits you. When you complete a life insurance comparison we provide an overview of the different TPD product features and benefits also.More