If you become permanently unable to work due to illness or injury, the financial impact on your family can be devastating — not just from lost income, but from increased living and care costs. TPD Insurance provides a lump sum to help you manage these challenges and maintain your quality of life.
Then this cover is worth a conversation.
The definition varies by insurer and policy type. Generally it means you are permanently unable to work in your own occupation, or in any occupation, due to illness or injury. Your adviser will explain the definitions used by each insurer and recommend the most appropriate policy for your situation.
It can be. Stand Alone TPD Cover operates independently of your life insurance, so a TPD claim does not affect your life cover. Accelerated TPD Cover is linked to your life insurance and reduces the remaining life cover by the amount paid. Your adviser will recommend the best structure.
There are no restrictions on how the lump sum is used. Common uses include paying off the mortgage, covering medical and rehabilitation costs, funding home modifications, and replacing lost income for the family.
Copyright © 2026 TNC Financial Services. All Rights Reserved.
