Personal Insurance

Total & Permanent Disability Insurance

We're more than an insurance provider. We're dedicated to reshaping the way Australians experience insurance empowering individuals, couples, families, medical practitioners and business owners with tailored cover and trusted guidance.

Get A Quote
Talk to us 
01

Who should have TPD cover?

Anyone without a significant amount of money set aside to fall back on if they were sick or injured and unable to return to work particularly if you have a family or financial dependants, a mortgage or other significant debts, or your own business.

02

Why TPD insurance matters

If a permanent disability stops you from returning to work, your policy pays a single lump sum. That money can be used however you need it paying off your mortgage, clearing other debts, covering long-term medical and rehabilitation costs, modifying your home, or simply replacing lost income.

03

How it works

Most insurers pay out based on one of two definitions: own occupation, where you're unable to work in your specific profession, or any occupation, where you're unable to work in any job you're reasonably suited to by training, education or experience. Some policies define disability instead around loss of limbs or sight, or an inability to perform daily living activities. You generally need to be considered permanently unable to work again this is not the same thing as income protection, and we'll help you understand which definition genuinely fits your situation.

Worth knowing

TPD vs Life Insurance

TPD protects you , during your lifetime, if you can no longer work. Life insurance protects your loved ones after you're gone. Most people who can afford both hold them together.

Why Covered Life

Advice that actually fits your life

We are not a call centre. Every policy is structured around your circumstances, and we stay with you through to claim.

  • A shield icon with a check mark inside, indicating security or protection.

    Flexible options

    Own occupation or any occupation we help you choose what suits your job and long-term goals.

  • Outline icon of a cash register with a dollar sign on the receipt.

    Lump sum payout

    Cover medical costs, rehabilitation, lifestyle changes and debt repayment with confidence.

  • Outline of a heart shape in teal on a white background.

    Transparent process

    From application to claim, clear explanations with no hidden surprises.

  • Outline drawing of a person with three stars above their head, representing excellence or high rating.

    Expert support

    Experienced specialists on hand to guide and support you throughout.

How it works

Three steps, no paperwork headaches.

  • 01

    Tell us about your situation

    A short phone call, at a time that suits you. No appointments, no paperwork, no jargon.

  • 02

    We compare the market for you

    We look across Australia's leading insurers and structure cover around your actual circumstances.

  • 03

    We stay with you at claim time

    The part most people never think about. We advocate for you when it matters most.

1 in 6

Over 1 In 6 Australians live with some form of disability and accidents and chronic illness remain leading causes of workforce exit before retirement.

Source: Australian Institute of Health and Welfare.

Why it matters

Cover pays out, and pays out often

Life insurance in Australia is closely regulated and the claims genuinely get paid. These are the most recent admitted claim rates published by APRA and ASIC.

97%
of advised death cover claims
are admitted and paid
94%
of income protection claims
are admitted and paid
83%
of TPD claims are admitted
and paid
Source: APRA and ASIC Life Insurance Claims and Disputes Statistics, 12 months to 21 December 2025. 
Also worth considering

Cover that works alongside this

  • Four young people in casual clothing are walking inside a bright room with large windows and light-colored wooden floors. One individual is carrying a cardboard box, and another appears to be holding a paper map or folder. The room has white walls, ceiling lights, and some furniture.

    01

    Life Insurance

    A lump sum for your family to clear debts and maintain their lifestyle if you pass away.

    Learn More
  • A woman standing and speaking in front of a seated group in a meeting room, with a whiteboard behind her and a light fixture hanging from the ceiling.

    02

    Income Protection

    Ongoing monthly income if sickness or injury stops you from working.

    Learn More
  • A woman lying on a sofa holding a thermometer in her hand and feeling her forehead, possibly indicating illness or fever.

    03

    Critical Illness

    A lump sum on diagnosis of a serious condition like cancer, heart attack or stroke.

    Learn More 
Common questions

Answers, without the confusion

  • TPD insurance pays a lump sum if you're permanently unable to work due to illness or injury.

  • It helps pay for medical bills, home modifications, and living costs if you're unable to return to work.

  • You should consider covering your debts, living expenses, medical costs, and future care needs.

  • 'Own occupation' covers you if you can't work in your current profession, while 'any occupation' requires you to be unable to work in any suitable job based on your skills.

  • Yes — TPD protects you during your lifetime, while life insurance helps your loved ones after you're gone.

  • Yes, many Australians hold TPD cover through their super fund, but stand-alone policies often offer more flexible benefits and larger cover amounts.

Still not sure? A short phone call usually clears it up faster than reading another page.

Talk to us
Talk to us 
Ready when you are

Protect your ability to provide

Speak to our specialists today for a free, no-obligation quote.

Get A Quote
Get A Quote
Talk to us
Talk to us