TPD Insurance

Total & Permanent Disability (or TPD) Insurance is essentially financial protection against never being able to work again.

TPD Insurance is designed to pay you a lump sum should you be injured or struck down by illness, rendering you Totally & Permanently Disabled as defined in the policy.

Different TPD policies and companies use different definitions of disability, which are usually based on one of the following:

your ability to continue performing the duties of your occupation;
your ability to continue performing the duties of any occupation for which you are suited by training, education or experience;
your ability to perform the Activities of Daily Living (bathing, eating, walking etc.)
the permanent loss of the use of (for example) sight, arm or leg

A lump sum benefit from a TPD Policy could be used to repay debts, make alterations to your home such as ramps and wider doorways, provide an ongoing income for you and your family, or to cover the costs of a carer or home help. The great news is that it can be added to your Term Life Insurance policy.

Contact Us now to arrange a no obligation analysis of your Total & Permanent Disability Insurance needs.