Total And Permanent Disability Insurance Cover

Would you sleep easier knowing you could be paid a lump sum if you couldn’t work again?

T&PD Insurance…The support you need, when you really need it.

Disability is not an easy subject to talk about. But accidents happen and no amount of money will ever make up for a major disability. It’s the support of family and friends that gets people through the hard times.


But total and permanent disability (TPD) means you can’t work. So suddenly there is no income to pay rent or the mortgage, let alone the added cost of rehabilitation, medical bills or any major changes in lifestyle. Yet money is the last thing your family should be worried about.

That’s why Total and Permanent Disability (TPD) insurance is so important. It can take away one great source of stress you don’t need, helping to make it easier to cope with not being able to work.

Statistics don’t mean much – until you become one. That doesn’t mean you should stop enjoying life, but you should be prepared for the perils.

Start early, and get some advice

Since the definition of occupation can vary in both cover and premium it is important to consider the definition of each. And since you choose how much cover you need Insurance Fit can help you decide on a sum that will give you and your family peace of mind, and help you pass the sleep easy challenge!

“It won’t happen to me…”

  • There are over 50,000 heart attacks in Australia annually. (4)
  • According to the ABS, of those people who experienced a work-related injury in the last 12 months, only 57% received financial assistance and only 55% of those received Workers Compensation. (5)
  • There are over 8,000 people with spinal cord injuries in Australia. (6)

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