Most people are familiar with life insurance, which pays out when you pass away to help your family with costs that you can no longer contribute towards (e.g. mortgage repayments, children’s education, etc.). However, how would you and your family cope if you were alive but never able to work again due to a serious injury or long-term illness? We call this financial death, because the cost of care and having another dependent living at home while not contributing financially is draining on a household.

Total & Permanent Disability Cover (or TPD,) pays a lump-sum if you are permanently disabled due to illness or accident. The money can be used for anything you like, but is particularly useful for paying off debt, replacing future income loss, and covering any unforeseen expenses that result from the disability.

If you’d like to find out more, give us a call on 0800 222 511 or email us at