Total & Permanent Disability Insurance

Unfortunately, there are times when illness or a serious accident can lead to total and permanent disability. To suddenly find yourself unable to do many of the things you love may be overwhelming not only for you, but for everyone around you.

If you become permanently disabled and can’t work due to illness or injury, you will need to find ways to cover the costs of treatment and rehabilitation, and to financially support yourself and your family.

With Total & Permanent Disability Insurance, the benefit is paid as a lump sum when you need it most. You can use the benefit in any way you wish including paying off your mortgage, making alterations to your home to accommodate the disability, or to pay for ongoing rehabilitation or therapy costs.

Benefits of Total & Permanent Disability Insurance

    This optional insurance is only available with Life Insurance.
    You can apply for insurance if you are an Australian resident aged between 18 and 59 working at least 20 hours per week.
    Depending on your age, you can choose a benefit amount between $50,000 and $1,000,000, up to your chosen Life Insurance benefit amount.


Benefit Amounts

You can choose the benefit amount that suits your needs, in increments of $50,000. See the table below for the maximum cover amount available, dependent upon your age.


Maximum Benefit

18 to 44


45 to 54


55 to 59


60 to 64

Not Applicable

What’s Covered?

Your benefit will be paid in full if you can’t work in any occupation due to a permanent disability, or if you suffer the loss of limbs or sight, or you become totally dependent on others for your care. Each of these are defined within the Product Disclosure Statement and if you lodge a claim your condition will be assessed against these definitions.

Things you should know

  • The intent of the policy is to cover you in the event that you suffer an injury or illness that is so severe that you will remain disabled permanently and are unlikely to ever be able to work again.
  • There are a number of exclusions to this policy, including that any condition caused or accelerated by an intentional act will not be covered. You can read more about the exclusions in the Product Disclosure Statement.
  • This cover expires on the policy anniversary following the insured’s 65th birthday.
  • If you claim on this cover, it will reduce the amount of your life insurance benefit by the same amount as the claim.

For more information about Total & Permanent Disability Insurance, download the Family Life Cover PDS.


Ready to Get Covered?

Call us Call 1300 377 325

Add Optional Cover

Children’s Insurance

  • Cover your children between ages 2 and 17
  • Choose a Benefit Amount from $20,000 up to $50,000 for each child insured
  • Covers a range of specified serious illnesses and injuries
  • Paid as a lump sum if your child passes away
  • Use the Benefit Amount any way you wish

Serious Illness Insurance

  • Available for Australian residents aged between 18 and 59 years
  • Choose a Benefit Amount from $50,000 up to a maximum of $500,000
  • Cover for four of the most common serious illnesses: Cancer, Stroke, Heart Attack and Coronary Artery Bypass Surgery
  • You choose how to spend the benefit

Other Commonly Asked Questions

What is TPD insurance?

Total & Permanent Disability Insurance (TPD) provides a payout to you in the event that you become totally and permanently disabled as defined in the Product Disclosure Statement. The maximum age you can apply for cover is 59, and cover can remain in place until the policy anniversary following your 65th birthday.

Is a TPD payout taxable?

A TPD benefit pay-out is generally not taxed. However, it's always best to check with a tax professional.

Should I have my Total & Permanent Disability insurance inside or outside super?

Most super funds offer life insurance, but with generally only a minimum level of cover in the event of death or TPD. You should ensure this cover will be enough for your needs, should you need to claim.

I already have life insurance. Do I need TPD cover too?

Life insurance provides a lump-sum payout if you die or are diagnosed with a terminal illness. TPD provides a lump-sum payment if you can’t work because you are totally and permanently disabled.

Read what our customers are saying

Good efficient service

Trusted Customer - Rated 5 out of 5

Easy to deal with, consultant was friendly. well priced and fast with documents emailed.

Easy no fuss process

Trusted Customer - Rated 5 out of 5

Quick & easy to apply & set up with an easy to understand friendly person to talk with on the phone

Customer review

Trusted Customer - Rated 5 out of 5

Real insurance delievered the best customer service i could have asked for any answered any questions on things that i was unsure of.

Excellent customer service

Trusted Customer - Rated 5 out of 5

Zohra was really friendly and knowledgeable. she's also very helpful and happily answers all my questions.

Excellent customer service and explaining the...

Samantha Krall - Rated 5 out of 5

Sarah was very helping and informative

Customer review

Josephine Stevens - Rated 4 out of 5

Explained clearly all requirements and the operator was respecfull on the phone.

Customer review

Roma Panjaitan - Rated 4 out of 5

So far still ok with the service as i just start buying the insurance. i hope this will be effective for future investment on the life insurance and let see what will be the benefit. thanks

Quick efficient and great experience

Elzanne Strydom - Rated 5 out of 5

Life insurance

Customer review

Sophy Kosmidis - Rated 5 out of 5

Your customer service team went beyond expectation and explained the policy thoroughly

Customer review

Lynette Mcneil - Rated 5 out of 5

I found the experience very easy and the person i spoke to was very helpful

Customer review

Trusted Customer - Rated 5 out of 5

Well service great more helpful

Customer review

Trusted Customer - Rated 5 out of 5

Really quick to get back to you and they are well spoken easy to understand and if i didnt understand a question they broke it down so i new exactly what i was getting. recommend them to everyone.

Customer review

Kirsten Baliva - Rated 5 out of 5

Very easy to understand

Customer review

Pelenatete Mapusua - Rated 5 out of 5

Good service by phone very understandable.

Quick, no hassles with real insurance operator

Craig Pertini - Rated 5 out of 5

The customer service operator was very clear, concise and friendly. she didn’t keep me waiting unnecessarily and she was empathic.