Why do I need TPD cover?
It provides financial support if you can’t earn an income again, helping cover medical bills, repay debts, and protect your family’s future.

How much cover do I need?
Depends on your income, debts, lifestyle, and how much your family would need if you couldn’t work.

Is TPD insurance the same as life insurance?
No. Life insurance pays a lump sum if you die or are diagnosed with a terminal illness. TPD cover pays out if you become permanently disabled and unable to work.

Can I have both life and TPD insurance?
Yes. Many people hold both to create broader protection for themselves and their families.

How are TPD claims assessed?
Insurers check if your condition meets the “total and permanent disability” definition, usually based on your ability to ever return to work.

When is a TPD claim paid?
Once approved, the lump sum is paid directly to you, giving flexibility to use it as needed.