Total and Permanent Disability

With a TPD policy a lump sum will be paid if you are unable to work due to injury or illness for at least six consecutive months. You can also get cover for non-working spouses. 

The amount insured is paid as either a lump sum or instalments. It may be used to pay ongoing medical expenses, make necessary home modifications, or to hire home care services such as nursing, cleaning and cooking and the day to day expenses that quickly accumulate. It may also eliminate debts so that you can focus on a full recovery at your own pace.

Contact Us to discuss with insurance brokers TPD options to suit your unique situation.


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