Compare TPD Cover Quotes

What is Total and Permanent Disability 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.

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Important Information

Not all providers in the market are included in the comparison.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs.

TPD Cover Quote Estimates

  1. Enter your details into TPD quotes compare form to receive online estimates of your monthly TPD insurance premiums from a selected panel of insurers.
  2. 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.
  3. 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.
  4. 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!

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
AMP
AMP
BT
BT
CommInsure
CommInsure
Macquarie Bank
Macquarie Bank
MLC
MLC
Zurich
Zurich
AIA
AIA
Asteron
Asteron
AXA
AXA
ClearView
ClearView
OnePath
OnePath
TAL
TAL

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.