Total and Permanent Disability (TPD) Insurance
The table below shows life insurance policies from our Online Partners that include Total and Permanent Disability (TPD) insurance as an optional extra.
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Tailor your policy with optional cover like TPD.
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Fully underwritten cover. Issued by NobleOak.
Consider the PDS & TMD via rac.com.au/life
Flexible cover options to suit your needs.
Australian residents aged 18-55 can apply.
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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
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What is total and permanent disability insurance (TPD)?
Total and permanent disability insurance (TPD) pays you a lump sum if you’re permanently disabled after an accident or illness and can’t return to work.
It’s a way to help support you and your family financially should anything unfortunate happen to you.
A TPD payout could go towards covering medical and rehabilitation costs and any everyday living expenses, as well as towards paying off any personal debts such as a home loan or car loan.
The Australian Government’s Moneysmart website says TPD insurance will typically cover you if you’re unable to work ever again, either in your ‘own occupation’ or ‘any occupation’:
- Own occupation: You’re generally covered if you’re not able to work again in your usual occupation. Moneysmart says this type of cover is usually more expensive and is typically only available to buy outside of superannuation.
- Any occupation: You must be unable to work again in any job suited to your education, training and experience. This cover is often cheaper, but it may be more difficult to meet the requirements for a successful claim.
TPD policies can be taken out as stand-alone TPD-only policies, available directly from a provider; via life insurance, and; through superannuation.
You can use Canstar’s comparison tables to compare TPD policies offered as an option through:
- life insurance policies, that are available directly from a provider
- superannuation funds.
The table at the top of this page compares TPD through life insurance. Change the filter to suit your needs.
Canstar Research also awards Star Ratings for superannuation and the life insurance policies it considers to offer the best policies when assessed across a range of costs and features.
When considering any of these, similarly to TPD insurance, it’s recommended you read the product disclosure statement (PDS), target market determination (TMD) and any other relevant policy materials before you sign the dotted line.
Frequently Asked Questions about Total and Permanent Disability Insurance
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About the authors
Michael Lund, Former Senior Finance Journalist
Joshua Sale, Group Manager, Research & Ratings
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.