TPD Insurance Broker
Total and Permanent Disability Insurance
Total and Permanent Disability (TPD) insurance provides financial protection if you suffer from an accident, illness or disability that prevents you from working again. With TPD insurance, you get peace of mind knowing your finances are secure should something happen to prevent you from earning an income. It can also provide cover for medical expenses related to your disability as well as other costs associated with rehabilitation.
Finding the right TPD Insurance policy is important, however, it can be difficult to compare policies and understand what coverage is available without help from a professional. That’s where using an experienced insurance broker comes in. We have access to multiple companies so we can compare different insurers on your behalf and find the best policy at the best price for your needs.
Total and permanent disability insurance Broker
Total and Permanent Disability (TPD) insurance provides financial protection for people who are unable to work due to disability, illness or accident. TPD insurance helps to reduce the financial burden that can come with a disability. It can cover medical costs associated with the disability as well as other costs related to rehabilitation.
If you already have income protection and life insurance in your super, you may still want to consider taking out a separate TPD policy depending on the level of cover provided by your super fund.
An insurance broker can help you evaluate your current coverage and explain how adding a stand-alone TPD insurance policy could further protect you financially should something happen. Working with an experienced Insurance Broker such as ourselves is the best way to get the most from a Total and Permanent disability insurance policy.
Why should you consider TPD cover?
Total and Permanent Disability (TPD) cover can provide a lump sum payment to help cover medical costs associated with the disability, as well as other expenses incurred during rehabilitation.
It can be taken out both inside and outside of superannuation, so it is important to understand what coverage is available in each option and how it will best suit your needs. When taking out TPD insurance, you will need to consider what level of cover you require. Your insurer may offer different levels of coverage depending on whether the policy is held within or outside of superannuation, so you will need to compare policies and understand what coverage each offers before making your decision.
In addition to medical costs related to the disability, most insurers will also provide a lump sum payment for the loss of income that could occur due to the disability or illness. The amount covered by this payment will depend on the individual policy but could include payments for any income lost due to time off work or retraining for a new career. You may also be eligible for additional benefits such as funeral costs if you pass away while still under an active TPD insurance policy.
Some policies will also provide assistance with finding suitable employment after recovery from illness or disability; this could include financial assistance with retraining or job placement programs.
Keep in mind TPD insurance does not replace income protection. Instead, it provides extra financial protection should something happen that prevents you from returning to work again.
Partner with an experienced TPD Adviser
A TPD insurance broker, The Insurance Quoter, can help you find the best Total and Permanent Disability (TPD) insurance for your individual needs. With our help, you can easily compare policies from different insurers to find the most suitable coverage with the best value for money.
The Insurance Quoter can provide advice and guidance throughout the whole process, including assessing your individual needs and circumstances to determine what level of cover would best suit you. We can also explain how having both TPD insurance and income protection could further protect you financially should something happen in the future.
TPD insurance quote
The Insurance Quoter offers a free TPD insurance quote for those who are interested in taking out Total Permanent Disability (TPD) insurance. This allows individuals to compare policies from different insurers and make the best decision for their individual needs and budget.
By using The Insurance Quoter, you can get access to the most suitable coverage at an affordable price.
If you would like any more information about Total and Permanent Disability insurance, please don’t hesitate to contact us today for a free quote.
We also offer a range of insurance products including life insurance, Income protection insurance, Trauma Insurance, and Business & Keyman Insurance