Total Permanent Disability Insurance

Use CoverBuilder to build TPD Insurance that’s just right for you.

Key features

  • A lump sum payment if you can never work again due to injury or illness
  • Up to $1.5 million payment 
  • No medical tests
  • Available to purchase via Self-managed super funds
  • Available if you're between 18 and 59 years old 
  • Get a quote and apply online with TAL CoverBuilder

TAL CoverBuilder

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Australians have always had a strong work ethic. But living in one of the most beautiful countries on earth, we also know that work allows us to make the most of this incredible Australian life.   

Total Permanent Disability Insurance, or TPD, is insurance if you can’t work as the result of an accident or injury that leaves you permanently disabled, so you can still make the most of life.

Total Permanent Disability insurance and cover types

Accident Cover

You receive a lump sum payment so you can still make the most of life if you become disabled as the result of an accident. For example, a car accident. Find out more

Illness Cover

You receive a lump sum payment to help keep your vision of the future on track if you can never work again due to an an illness. For example, cancer or a neurological disease. Find out more

Sports Cover

If you take up Accident Cover, you can extend it with Sports Cover. This means you’ll receive a payment in case of a disabling incident from sports. For example, a broken back from playing football.  Find out more

The difference of TAL Lifetime Protection

Comprehensive protection

Access comprehensive cover online, with a broad range of built-in features to protect what matters most to you.

Tailored cover

Take customisation to a whole new level by choosing what you want to be covered for and what you don't. And only pay for the cover you need.

Total Permanent Disability Insurance

Total Permanent Disability Benefit
If you can never work again due to injury or illness, you’ll receive a lump sum payment so you can still make the most of life. Find out more

Inflation Protection
Inflation Protection automatically increases your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly. Find out more 

Future Life Events
If a specific life event happens, for example getting married or having a child, you can easily update your TPD Insurance cover. Find out more 

Cover Pause
In case of financial hardship, you can pause your cover for up to three months. You won’t pay premiums but you also won’t be covered. It’s easy to switch on your cover again. (This can only be set up over the phone). Find out more 

Choice of ‘Any’ or ‘Own’ occupation
Choose whether you’re covered in case you can’t work again in ‘Any’ occupation, or your ‘ Own’ occupation – the occupation you have training, education and experience in. Find out more 

Stepped vs. Level Premiums
You can choose to pay either Stepped or Level Premiums. Stepped Premiums increase every year, but generally start cheaper. Level Premiums stay the same and generally cost less in the long run. However, Level Premiums can increase by general premium rate rises and through Inflation Protection. Find out more 

 

What's included

Total Permanent Disability Benefit
If you can never work again due to injury or illness, you’ll receive a lump sum payment so you can still make the most of life. Find out more

Inflation Protection
Inflation Protection automatically increases your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly. Find out more 

Future Life Events
If a specific life event happens, for example getting married or having a child, you can easily update your TPD Insurance cover. Find out more 

Cover Pause
In case of financial hardship, you can pause your cover for up to three months. You won’t pay premiums but you also won’t be covered. It’s easy to switch on your cover again. (This can only be set up over the phone). Find out more 

Choice of ‘Any’ or ‘Own’ occupation
Choose whether you’re covered in case you can’t work again in ‘Any’ occupation, or your ‘ Own’ occupation – the occupation you have training, education and experience in. Find out more 

Stepped vs. Level Premiums
You can choose to pay either Stepped or Level Premiums. Stepped Premiums increase every year, but generally start cheaper. Level Premiums stay the same and generally cost less in the long run. However, Level Premiums can increase by general premium rate rises and through Inflation Protection. Find out more 

 

The options you can add

Life Buy Back
If you bundle your TPD Insurance with your Life Insurance, you can buy back any Life Insurance that has reduced after a TPD Insurance payment. (This can only be set up over the phone). Find out more

Premium Relief
If you add this option, you won’t need to pay your TAL Lifetime Protection premiums if you are unable to work for at least three consecutive months due to an illness or accident. (This can only be set up over the phone). Find out more

How claims work

Payments
You will be the recipient of your lump sum payment. Find out more

How to make a claim
To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claim Manager to find out what you need, to make it as easy as possible for you. Find out more

General information

The cost
The cost of your TPD Insurance will depend on a range of factors, including your age and gender, health, your occupation, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker. Find out more

Minimum and Maximum Cover
You can apply for between $100,000 and $1.5 million worth of cover. Some limits may apply depending on your income and age. Find out more

Eligibility
The eligible age range is from 18 to 59. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply. Find out more

How we define Total Permanent Disability
It’s important to understand how we define Total Permanent Disability because you will need to meet the criteria in this definition to be eligible for a TPD payment. Find out more

Premium changes
Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However TAL is able to change the premium rates for all customers if conditions change or we receive more claims than expected. Find out more

Cover Start and End Dates
We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 99th birthday. This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure. Find out more

Loadings and Exclusions
When you apply for TAL Lifetime Protection, you will be asked a number of health and lifestyle questions. These questions relate to your eligibility, whether your insurance will have any exclusions or loadings, and your Duty of Disclosure. Your answers may mean that you have increased risk factors under the Policy. Find out more

What you're not covered for
TAL Lifetime Protection gives you options to build a comprehensive cover plan, but there are some events we can’t cover. For example, if something happens to you while you’re travelling to a dangerous country, or if your injury was intentional or self-inflicted. Find out more

 

Need help deciding if TPD Insurance is for you?

Other ways to access insurance

Through a financial adviser

Sometimes you know exactly what you want from life insurance. But if things are a little more complicated, or you would like to look at life insurance as part of a wider wealth plan, it could pay to see a qualified professional who can discuss the different options. 

Find an adviser. 

Through your super fund

You most likely have some life insurance through your super fund. However, this is normally a default level of cover based on your age and occupation.

Please check with your super fund to find out how much cover you have.

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Everything you need to know about TAL Lifetime Protection

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