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.
TPD Cover Quote Estimates
Enter your details into TPD quotes compare form 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 9 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!
There are two definitions available under Total and Permanent Disability (TPD) Cover:
'Any occupation' available to all occupations
Domestic Duties/Home maker
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.
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.
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Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.
The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.
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