Total Permanent Disability (TPD) Insurance
Providing for you if you were to become permanently disabled.
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Premium type/entry age
- Stepped premiums: 16 – 62 (age next birthday)
- Level premiums: 16 – 60 (age next birthday)
What is Total Permanent Disability (TPD) Insurance?
Total Permanent Disability (TPD) insurance provides for you if you were to become permanently disabled due to accident or illness and are unable to work in any capacity in any occupation based on your previous education, skills, training or experience.
Total Permanent Disability Insurance provides you with a lump sum payment, giving you the means to access the best medical and rehabilitation treatments, and providing you with financial security so you can go on making the most of your life.
You must be employed in a gainful (paid) occupation to apply for TPD.
What are the key features?
- Any occupation definition with limits up to $3 million
- Cover increases of up to $200,000 without underwriting when a major life event occurs
- Financial planning benefit up to $5,000
- Eligible for Health Sense discount
- Maximum benefit amount up to $3 million
Flexibility, innovation, great value
How our award-winning life insurance product works for you:
Designed for flexibility
Mix and match a range of products and features to best suit your needs
Simple rewards if you're healthy
Clever features like our popular TAL Health Sense discount
We’re there when it matters
Every working day we pay an average of $5.3m in claims
Total and Permanent Disability Insurance claims by gender and age
What other benefits does Total Permanent Disability Insurance include?
Not all benefits, options and sum insured levels are available online
What important details do I need to know?
Claims at TAL
Every claim we pay is a promise kept
In 2020, we paid $2.7 billion in claims to 36,901 customers and their families. That’s equivalent to over $45 million a week.
People often think claims are all about payments to families when a loved one passes away. And of course, that's part of what we do. But 68% of all the claims we paid last year were to help customers keep living the lives they love, after an accident or illness.
Your guide to making a claim
When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. We’re here to support you to make your claim as easy as possible.
If you need to make a claim with TAL, you’ll be assigned a dedicated claims consultant. They’re there to understand your situation and what they can do to support you when making a claim.
Why choose TAL as your TPD Insurance provider?
What other insurance can I include in my TAL life insurance plan?
Protects your family’s future and gives them options if you are no longer around.
Critical Illness Insurance
Means you have choices so you can still make the most of life if you have a serious illness.
Income Protection Insurance
Provides you with an income to help you continue living your life if you have an injury or illness and can’t work.