Total and Permanent Disability (TPD) Insurance

Providing for you if you were to become permanently disabled

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TPD Insurance with TAL

Total and 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.

Key features & benefits

  • Total and Permanent Disability Benefit

    You can get a quote online for cover up to $1.5 million. For cover up to a maximum benefit of $3 million please call us on 131 825 or speak to your Financial Adviser.

  • Advanced Payment Benefit

    An advanced payment of 25% of the benefit amount ($500,000 maximum), if you suffer permanent loss of use of a single limb or eyesight in one eye. Not available when structured through superannuation.

  • Inflation Protection Benefit

    Your benefit amount automatically increases on the Policy Anniversary by 5% or the indexation factor, whichever is higher, to keep pace with inflation.

  • Guaranteed Future Insurability Benefit

    You can apply to increase your cover by up to $200,000 without providing additional health information, when a significant life event occurs eg. marriage, childbirth, home-buying.

  • Long Distance Accommodation Benefit

    Reimburses up to $250 per day, up to 14 days, for accommodation costs of an Immediate Family Member when they are required to travel 100km+ to be with you.

Resources

 

TAL LIFE INSURANCE CALCULATOR

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What is TPD Insurance and how does it work?

Total and Permanent Disability (TPD) insurance provides cover if you were to become totally and permanently disabled due to illness or injury and subsequently unable to work.

TPD insurance provides you with a lump sum payment, giving you the means to access medical and rehabilitation treatment.

How much will TPD Insurance cost?

The cost depends on your age, gender, occupation, lifestyle and medical history. Costs can also vary according to the policy’s features.

At TAL, we understand that everyone is unique, so naturally your insurance should be too. That's why we've created TAL Coverbuilder to allow you to build your cover, your way.

With our Coverbuilder you can choose your insurance and your cover, tailor your cover amount and select the options that best suit you.

We’re encouraging healthy lifestyles

Introducing our TAL Health Sense Discount. Rewarding you with up to 15% discount on your Life, TPD or Critical Illness policy.
Find out more

What other benefits does Total and Permanent Disability Insurance include?

Not all benefits, options and sum insured levels are available online

Total and Permanent Disability Benefit

The Benefit Amount is paid if you become Totally and Permanently Disabled, depending on the applicable TPD definition.

TPD Benefit

Total and Permanent Disability Benefit

The Benefit Amount is paid if you become Totally and Permanently Disabled, depending on the applicable TPD definition.

Advanced Payment Benefit
Death Benefit
Inflation Protection Benefit
Premium Freeze Benefit
Financial Planning Benefit
Long Distance Accommodation Benefit
Grief Support Benefit
Child's Critical Illness Benefit

What important details do I need to know?

What’s not covered?

No payment will be made under TPD insurance and any included or optional benefits (if applicable) if the claim arises directly or indirectly because of an intentional, self-inflicted act by the Life Insured. If TPD Insurance is Attached or Linked to Life Insurance, the TPD Benefit will not be paid if you are also eligible for the Terminal Illness Benefit under Life Insurance. If TPD Insurance is not Attached or Linked to Life Insurance, no payment will be made under TPD Insurance unless the Life Insured survives the Sickness or Injury which resulted in Total and Permanent Disability for at least 14 days.

 

What's not Covered
What’s not covered?

No payment will be made under TPD insurance and any included or optional benefits (if applicable) if the claim arises directly or indirectly because of an intentional, self-inflicted act by the Life Insured. If TPD Insurance is Attached or Linked to Life Insurance, the TPD Benefit will not be paid if you are also eligible for the Terminal Illness Benefit under Life Insurance. If TPD Insurance is not Attached or Linked to Life Insurance, no payment will be made under TPD Insurance unless the Life Insured survives the Sickness or Injury which resulted in Total and Permanent Disability for at least 14 days.

 

When TPD Insurance ends
Loadings & Exclusions
Tailoring your plan

Why choose TAL as your TPD Insurance provider?

Australia's leading life insurer
TAL is a leading Life Insurance specialist
TAL Customers
Trusted by over 5 million customers
Commitment to Claims
$4.7 billion in claims paid in 2024/25 FY
Download the Product Disclosure Statement

Download the PDS

Everything you need to know about TAL Accelerated Protection

How to apply

Apply for TPD Insurance with TAL.

Only Variable Age-Stepped Premiums are available online. For the alternative premium option (Variable Premiums) and/or a premium illustration, please call 131 825. You can also download our Life insurance premiums key facts for more information.

Are you eligible for TPD Insurance?

To be eligible for TAL TPD Insurance, you must be:

  • Between 18-60 years old next birthday (Variable Premiums) OR
  • Between 18-62 years old next birthday (Variable-Age Stepped Premiums)
  • A citizen or permanent resident of Australia or a New Zealand citizen residing permanently in Australia.

You’ll be asked a few questions related to your job, health and lifestyle, so we can determine if you have increased risk factors we need to consider in relation to your policy.

Step by step

1. Use TAL’s CoverBuilder to get a quote, and speak to one of our advisers to answer any questions you might have.

2. Review your quote and the Product Disclosure Statement very carefully to make sure it suits what you need.

3. Pay for your cover and make sure you know where all your documents are in case you ever need to make a claim.

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TPD Insurance FAQs

How much cover can I apply for?

What does TPD Insurance cover?

Do I need TPD Insurance?

How much TPD Insurance do I need?

Can I take TPD Insurance?

Can I get TPD without a medical examination?

How are the TPD payouts paid?

Is Trauma Insurance the same as Total and Permanent Disability insurance?

Are TPD Insurance payouts tax deductible?

How do I make a TPD Insurance claim?

Wondering what a claim could look like?

Use our handy claim benefits tool with real claims statistics to find out what a claim payment might mean for you.

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How can we help?

You can select from the options below, or call us on 131 825.

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