Total and Permanent
Disability Insurance
Why Insurance Matters
An unexpected illness or accident can change everything, especially if it leaves you unable to ever work again.
Total and Permanent Disability (TPD) Insurance is designed to step in when life takes a turn, giving you and your family the financial support needed to navigate the future with confidence.
At Covered Life, we help Australians protect their lifestyle and secure their future with straightforward, affordable TPD insurance tailored to their needs. If a permanent disability prevents you from returning to work, your policy pays out a lump sum. That money can be used however you need, from paying off your mortgage and clearing debts to covering long-term medical costs, home modifications, or simply replacing lost income.
We understand that every Australian’s lifestyle and job are different. That’s why we take the time to find a policy that fits, whether you’re after “own occupation” or “any occupation” cover. We simplify the process, and stay by your side from quote to claim, so you always feel supported.
TPD insurance brings peace of mind knowing that you won’t be left financially vulnerable if the worst happens.
It gives you options: the ability to keep your family’s lifestyle on track, maintain independence, and plan for long-term care, all without added financial stress.
Benefits
Why Choose Covered TPD for Your Life Insurance?
Flexible
Options
Whether you need own occupation or any occupation cover, we’ll help you choose a policy that suits your occupation, lifestyle, and long-term financial goals.
Lump Sum
Payout
Your TPD benefit can help cover medical expenses, rehabilitation costs, lifestyle changes, and debt repayments, giving you confidence that your family’s financial future is protected.
Transparent
Process
From the initial application to claim time, we make TPD insurance simple, with clear explanations and no hidden surprises.
Expert Support
and Advice
Our experienced insurance specialists are available around the clock to answer questions, provide guidance, and support you throughout your journey.
FAQs
Quick answers to your questions about Total and Permanent Disability Insurance
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TPD insurance pays a lump sum if you're permanently unable to work due to illness or injury.
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It helps pay for medical bills, home modifications, and living costs if you're unable to return to work.
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You should consider covering your debts, living expenses, medical costs, and future care needs.
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'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.
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Yes — TPD protects you during your lifetime, while life insurance helps your loved ones after you're gone.
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Yes, many Australians hold TPD cover through their super fund, but stand-alone policies often offer more flexible benefits.