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.

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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
1) Your income

Would you still have a consistent income if you weren’t able to work again due to a permanent disability?

2) Your expenses

Would you be able to cover your mortgage or other living expenses if you weren’t able to work again?

3) Treatment and rehabilitation

Would your income or savings be able to cover medical treatment, rehabilitation or other living costs, such as home modifications if you were unable to work?

4) Financial security

Would you be financially stable if you were unable to work again due to a permanent disability?

It looks like your family may be able to cover the expenses associated with the costs of becoming permanently disabled. Do you have life insurance?

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You may want to consider TPD cover for financial peace of mind.

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How much cover do I need?
Our life insurance calculator can help you determine the amount of cover you may need.
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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.


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. 


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.


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.


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. 

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