Total & Permanent Disability Insurance - TPD

TPD Provides a lump sum benefit payment to help with your finances, if you were to become totally and permanently disabled and unable to when you find it difficult to carry on with the basic activities of daily living due to the disability caused to you because of illness or injury. as assessed by a medical specialist.

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Importance of Life Insurance

Key Benefits of Life Insurance:

Purpose of Cover

TPD is intended to provide financial support you may need to cover medical expenses, ongoing care, replace lost income due to your disability, pay off significant debts, like your mortgage.

Peace of Mind

Give yourself the time to heal & recover without having to worry about how you are going to pay your bills!

Tax treatment

TPD Insurance payout is generally taxed at around the 22% mark.

Tailor your cover to suits your needs/ budget

  • Stand-Alone Vs Linked Covers
  • Any Occupation Vs Own Occupation definition
  • Option to pay from your Super/ SMSF or Outside

How much does TPD cover cost?

* The below premiums are indicative and are meant to give you an estimate of approximate premiums.
Quotes are valid as of Feb’2025 & subject to expiry

TPD Cover

Male - Monthly Premium35 Yrs Old40 Yrs Old45 Yrs Old50 Yrs Old55 Yrs Old
$500K Cover$29$33$54$95$188
$1 Million Cover$48$57$97$177$356

Female - Monthly Premium35 Yrs Old40 Yrs Old45 Yrs Old50 Yrs Old55 Yrs Old
$500K Cover$29$34$54$95$201
$1 Million Cover$49$58$98$178$382

Costs are based on:
* Stand-Alone Cover (not attached to life cover)
* TPD defination: Any Occupation
* Non-Smoker
* Health BMI Range
* White Collar Worker
* Standard Rates: Insurers may apply loading/ exclusions based on medical history/pre-existing medical conditions if any.
* Super Rebates will apply if paying through your Super/ SMSF
* Further Discounts/ Tax Deductions may apply based on your scenario OR covers that you take

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General Advice Disclaimer

We Secure Finvest (ABN 69 111 941 238) operates under Oasis Insurance Pty Ltd (AFSL 293770) and can only give you general advice about Personal Insurance. That means we’ll teach you the information you need to know to enable you to make a good decision but can’t give you specific advice or recommendations.

Everything on our website is general in nature only, does not constitute personal financial advice and isn’t specific to you. Before acting on any information presented you should consider the appropriateness of the information having regard to your objectives, financial situation and needs.

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Last updated:October 3, 2024