Total & Permanent Disability (TPD).

Total and Permanent Disability is an additional benefit attached to Life or Trauma insurance policies.

It provides a lump sum amount in the event of your inability to work again due to illness or injury as defined by the policy. The sum insured provides options by allowing you to reduce debt, house modifications and time to adjust to a new way of life.

Your biggest asset is your ability to earn an income.
You insure your car & your house – why not yourself?

Richard is a 53-year-old employed mechanic earning $80,000 per year.  He is married to Rachel who works part-time, and has children, both of whom are married and living out of home.  His home is valued at $650,000 with a mortgage of $150,000.  He has credit card debt of $25,000 and a motor vehicle loan of $20,000.

Richard loves to go out dirt bike riding in the bush with his mates on the weekend.  One weekend, he hits a ditch and comes off his bike, causing him to suffer a C2 vertebral injury.  Richard becomes a quadriplegic, is permanently disabled and unable to work again in the future.

Thanks to Richard having an astute financial advisor who had reviewed his circumstances two years prior, Richard had TPD Insurance of $800,000 in place.  This meant that Richard was able to:

  1. keep his home by paying off all his debts;
  2. have funds in place to cover all his medical expenses; and
  3. make the necessary house modifications to enable him to continue living at home after coming home from hospital.


We uncover the best TPD cover for you.


    We listen and act when we understand.

    We start by establishing a crystal-clear understanding of your circumstances and identify what is important to you. In this introductory stage, we discover your budgetary guidelines and expenses to establish a clear understanding of the types of cover most suitable for you.


    We uncover the cover best for you.

    We undertake thorough market wide research across all insurers and carry out in-depth policy & contract analysis. All our research takes into account a pre-assessment of any medical & financials issues and includes in-depth premium analysis.

  • 3. ADVICE

    We provide intelligent and expert advice.

    Our advisers will discuss the outcome of the research and an evaluation of the proposed levels of cover. We will provide a Statement of Advice and discuss the best options for you and your circumstances.


    We provide intelligent and expert advice.

    Our dedicated administrators will arrange all paperwork, fast tracking any medical & financial requirements. We have considerable expertise in negotiating medical loadings or exclusions which is a huge benefit to the client at this point in the process.


    We keep you and your cover up-to-date.

    Each year we will review your policy, discuss your levels of cover and make amendments if required. You will receive a summary of schedules and taxation information from us and the insurer year on year.


    We take the worry out of claims

    Our dedicated claims team aims to ensure you receive priority service and peace of mind though the claims process. 24/7 phone and online fast and efficient service including crisis management.