Total and Permanent Disability Insurance
Total and Permanent Disability (TPD) insurance provides a lump sum payment if you suffer an illness or injury that permanently prevents you from working. TPD insurance helps you pay off debts, modify your home for accessibility, and maintain your lifestyle when you can no longer earn an income.
Who Needs TPD Insurance?
- Anyone reliant on their income to pay bills
- People with mortgages or significant debts
- High-risk occupations (tradies, emergency services)
- Families with one primary income earner
- Self-employed business owners
Key Details
Starting from
$45/month
Age 30, male, $500,000 cover
What TPD Insurance Covers
Common Exclusions
Most tpd insurance policies will not cover:
Premium Examples
Indicative monthly premiums for tpd insurance by age and gender. Your actual premium will depend on your health, occupation, and coverage amount.
| Age | Gender | Coverage Amount | Provider | Monthly Premium |
|---|---|---|---|---|
| 30 | male | $500,000 | TAL | $45 |
| 30 | female | $500,000 | TAL | $38 |
| 40 | male | $500,000 | AIA | $72 |
| 40 | female | $500,000 | AIA | $58 |
| 50 | male | $500,000 | Zurich | $168 |
| 50 | female | $500,000 | Zurich | $124 |
Compare with Other Insurance Types
See how tpd insurance compares to other types of coverage
Life Insurance
A lump sum payment to your loved ones when you pass away.
Trauma Insurance
A lump sum if diagnosed with a serious illness like cancer or heart attack.
Income Protection Insurance
Monthly payments replacing up to 85% of income if unable to work.
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