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Total & Permanent Disability

Total & Permanent Disability
Total and Permanent Disability Insurance (TPD) provides a lump sum payment in the event of a permanent disability (as per the policy definitions) that renders the insured unable to work.

Payments are generally made after the disability has been evident for a period of 6 months and when the insurer deems that the insured is unlikely to ever be able to return to work.

TPD benefits can be utilised to pay down debt, pay for initial and ongoing medical expenses and to fund permanent changes to lifestyle which have occurred as a consequence of the disability. This could include renovations to the current home or needing to move to somewhere more disability friendly or the costs of a daily nursing service for instance.

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Australian Global Life Solutions. ACN: 601861992/ABN:42601861992. Authorised Representative No.001233203. Authorised Representative of The FinancialLink Group Pty Ltd AFSL 240938.

Information on this website contains general advice and has been prepared without taking account of your personal financial objectives, situation or needs. You should consider this advice and obtaining personal advice before acting on it. If you require personal risk insurance advice you can contact Australian Global Life Solutions on +61 7 5526-8955. We can also provide you with the relevant terms and conditions, guide to fees and charges, Product Disclosure Statement and Financial Services Guide which you need to consider before making any decision about whether to purchase or continue to hold a financial product. Please note Australian Global Life Solutions is unable to provide advice on expatriate health & evacuation insurance though we will refer you to our associate who can provide advice on this product.