Total & Permanent Disability Insurance
Total & Permanent Disability (TPD) insurance can give you financial security when you cannot work. This insurance pays a lump sum if you were to suffer total and permanent disability. There are different definitions of TPD insurance which can impact on your ability to make a claim on the policy so seeking advice to provide clarity around the options is incredibly valuable. This type of insurance can be owned personally or by a super fund which can provide tax benefits but can also impact on the type of policy available. We work with clients to determine the right policy for them as well as an appropriate level of cover.
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