Personal insurance advice: Operating under IFO Peace of Mind Advice Limited.
What we can explore
- What total and permanent disability means in the policy
- Own-occupation and other occupation definitions
- How benefits may interact with other cover
- Claim requirements and exclusions
Questions you may have
What does total and permanent disability mean?
The definition depends on the contract. Some policies assess whether you can return to your own occupation, others any suitable occupation, and some use tests based on daily activities. The definition is often as important as the dollar amount.
Can TPD be included alongside life insurance?
Some policies package TPD with life insurance, sometimes as an accelerated benefit. A payment can affect the linked life sum insured, so ask how the cover works after a claim.
How is TPD different from income protection?
TPD typically involves a lump-sum claim under a permanent-disability definition. Income protection is generally a periodic benefit for qualifying time away from work and may apply to temporary disability.
What factors influence the amount of TPD cover?
Debt, living costs, rehabilitation needs, dependants and existing protection can all be relevant. An adviser can help you consider the financial consequences rather than choosing a number in isolation.
How we work
We begin by understanding your needs and existing protection. Sharleen explains relevant options through the advice process operating under IFO Peace of Mind Advice Limited.
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