TPD INSURANCE ONLINE
Wealth Smart compares leading TPD insurance policies to help find TPD cover that is right for you and fits your family's budget. The right TPD insurance policy can be extremely helpful for your family. The insured amount should be sufficient to cover your needs in case of a total or partial disability. It helps the insured if they lose their proper ability due to injury or illness. We can guide you through the many options available and help you achieve peace of mind and a secure income for your family, regardless of what the future holds. We also recommend taking out life insurance policies to complement the benefits you'll receive from TPD insurance to provide ongoing family support when you're no longer around. When you consider other types of life insurance cover, you build wisely on your life strategy should you ever be unable to work.
TPD INSURANCE ONLINE

TPD AND ONLINE LIFE INSURANCE QUOTES

Disabilities like the loss of limb or vision, or paralysis can render you unfit for work and unemployment follows soon. In such cases, you need a definite source of income to support your family's needs. Total and Permanent Disability insurance (TPD) provides a lump sum payment in case you are totally and permanently disabled and are unable to work again. It can cover the cost of rehabilitation, repayment of current debts, and the cost of living for you and your dependents. It is especially important for jobs that require a high degree of physical mobility or strenuous fieldwork. It is the insurance that keeps you going even when you can't as it takes care of your major financial concerns.

CHOOSING TPD INSURANCE

Wealth Smart compares leading TPD insurance policies to help find TPD cover that is right for you and fits your family’s budget. The right TPD insurance will be able to help you and your family in case of a mishap.

With the help of the right cover, your family will be financially stable even if you face a disability. We can guide you through the many options available and help you achieve peace of mind and a secure income for your family, regardless of what the future holds.


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HOW ARE THE TPD POLICIES DIFFERENT?

It is helpful to remember that TPD life insurance is different from many health insurance plans. Total and Permanent Disability insurance can be relatively cost-effective and offers lower premiums than other types of health insurance. Whilst the level of coverage provided is similar across different providers, premiums can vary according to:

  • Age (as you get older premiums can increase and coverage decrease)Gender (males tend to live more risky lifestyles and attract higher TPD premiums)Occupation (manual and outdoor occupations attract higher premiums than office work)Whether you smoke

Although most policies offered are similar, make sure you read the insurer’s product disclosure document (PDS) completely to check which conditions are excluded. This also ensures that you or your dependents receive the exact amount insured, not a left-over fund post numerous deductions.

WHAT TYPES OF TPD INSURANCE ARE AVAILABLE?

There are two basic options of TPD insurance coverage available: Any Occupation and Own Occupation. They are defined as follows:

  • Any Occupation: A TPD insurance claim can be made if you are permanently disabled and unable to undertake any occupation that is suitable according to your training, education, and experience Own Occupation: You can claim TPD insurance if you are no longer able to work in your chosen field of employment

The insurance premium for TPD may help you make savings along with creating a disability fund. TPD premiums are also not tax-deductible. But the benefit paid to the injured individual is itself tax-free (i.e. not covered by superannuation law).

WHY GET TPD INSURANCE?

TPD insurance is of particular value to individuals with life circumstances or occupations where specific abilities are important, such as those involved in manual labour, problem-solving, or a high degree of physical coordination. In such circumstances, you want to know that you have income protection insurance to take you through the hard times.

Our life insurers help in calculating life insurance premiums for term life insurance and TPD to give you the best options. Provide us with your medical history and other details to start the application process. Then, once you know the life insurance cost, you can determine how much life insurance you need and if you receive life insurance tax deductible advantages.

In the interim, you can take comfort knowing that TPD insurance or life insurance cover can:

  • Help you pay off existing debts
  • Cover family costs and maintain living expenses
  • Enable you to pay for ongoing medical expenses
  • More easily pay school fees
  • Remove one more worry from your shoulders

Get the best TPD insurance from Australia’s leading insurers only with Wealth Smart. Compare life insurance quotes and TPD insurance values, and see your payment options. Find out more about TPD insurance by reading further here, or contacting one of our experienced advisers at 1800 765 100.