Total and Permanent Disability (TPD) Insurance


Peace of mind – Being paid a lump sum if you couldn’t work again.

Accidents happen and no amount of money will make up for a major disability. Disability means you can’t work so suddenly there is no income to cover the rent or the mortgage, let alone the cost of rehabilitation, medical bills and lifestyle changes forced upon your family by your condition.

How can TPD Insurance help you protect your family’s future?
TPD Insurance pays out a lump sum if you are disabled and either can’t go back to work, or can’t work in your usual occupation. This will help you reduce the short term financial stress and the long term worry.

Why a lump sum?
Part of the payout can be put towards immediate medical expenses and the balance can be invested to meet your long term needs. This will help you reduce the short term financial stress and the long term worry.

Sterling Planners can assist
Our advisors can help you decide how much cover you need to give you and your family peace of mind.