Total and Permanent Disability

What is Total and Permanent Disability (TPD) Cover?

Total and Permanent Disability (TPD) Cover, pays a lump sum to you in the event you can not return to work due to a total and permanent disablement. This lump sum can be used to help you:

  • Repay your home mortgage
  • Meet ongoing medical needs
  • Meeting the family's ongoing income needs

TPD Cover is available to people aged between 17 and 59 and can be either used as a rider benefit to term life cover or as a stand alone cover.

There are two definitions available under Total and Permanent Disability (TPD) Cover:

  • 'Any occupation' available to all occupations
  • 'Own occupation'
  • Domestic Duties/Home maker
  • Modified

Do I really Need Total and Permanent Disability (TPD) Cover?

Just imagine that you are unable to work again and earn an income to support your family. You are still alive but will need ongoing medical treatment and rehabilitation for many years to come. You may even need to modify your family home to assist with your disability. TPD cover will provide a lump sum to assist you meeting these cost and when used in conjunction with Income Protection can provide financial security for your family and you for the rest of your days.

Guaranteed Insurability

One important benefit we ensure all our recommended insurance policies have is Guaranteed Insurability. This means that once the insurance company has accepted you as a client (you will be required to provide full disclosure of all past and present medical conditions), they can not cancel your TPD policy in the future(unless you stop paying it), due to any future medical reason. This is comfort to you knowing that if you get sick or injured your TPD insurance policy will always be there.

Total and Permanent Disability quote estimates

  • Enter your details into TPD Quotes tool to receive online estimates of your monthly TPD insurance premiums from a selected panel of insurers.
  • Total and Permanent Disability (TPD) insurance premium may vary depending on occupational type and past and present medical history. All TPD insurance applications require underwriting assessment and only at that time can a formal offer be made.
  • Click on the enquire button and we will put you in contact with one of our consultants who can provide with quotes from up to 12 insurance companies.
  • And for limited time only, if you apply through us you will receive 20% cash rebate * for your first year's Total and Permanent Disability (TPD) insurance premiums. You will not receive it by going through the insurance companies and asking for Total and Permanent Disability (TPD) insurance yourself!

* This offer is available for all insurance companies that are on our panel. To take advantage of this offer, mention the offer to Rate Detective at the time you submit an enquiry for a quotel. After 12 months we will email you a reminder that your rebate is due, so you can call to confirm your details. To be eligible for this offer, your policy needs to remain in force for the full 12 months. Any rebate to which you are entitled will be paid directly into your bank account or provided on a Gift Card..

Compare Products

  • Life Insurance

    Compare quotes from up to 12 different Insurers from our panel.

    It only takes 10 minutes to get quotes!

    This comparison services is free. No obligation to buy

    Life Insurance
  • Income Protection

    Compare quotes from up to 12 different Insurers from our panel.

    It only takes 10 minutes to get quotes!

    This comparison services is free. No obligation to buy

    Income Protection
  • Home Loans

    Compare quotes from up to 34 Lenders from our panel

    It only takes 10 minutes to get quotes!

    This comparison services is free. No obligation to buy

    Home Loans