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Total & Permanent Disability Insurance

Total & Permanent Disability (TPD) insurance is usually an optional extra on life insurance policies but can also be taken out as a stand alone policy.

TPD Insurance covers serious & permanent disabilty but does not cover temporary disabilities or many traums.These are best covered by taking out income protection or trauma policies.

TPD insurance is a lump sum payment paid to yourself.

It is generally paid when you have been advised by a medical specialist that you will never work again.

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