Total & Permanent Disability Insurance (TPD)

Sleep easy with an InsuranceFit Total & Permanent Disability quote. Total & Permanent Disability Insurance is often referred to as T&PD Insurance and is made easy and cost effective with Independent Total & Permanent Disability Insurance Research Software. More >

How can TPD insurance help you protect your family’s future?

TPD insurance pays out a tax-free lump sum if you are disabled and either can’t go back to work, or can’t work in your usual occupation. More >

Life goes on, but so does the mortgage

A recent study by the Australian Investment and Financial Services Association (IFSA) found that Australia suffers from a large under-insurance problem. The study reveals that many people don’t understand why they need insurance and how insurance products work.

Because of this many Australians choose to go without it. Faced with permanent disability means that you can’t go back to work; the average person is left with few reasonable options.

Living off your savings and investments might work – but for how long? And in meeting your short-term needs you damage your long-term dreams. Plans to pay off a mortgage or send your kids to a private school must be dropped and the future looks a lot more uncertain that it used to.

Health insurance might reduce the medical bills but it won’t replace your income. As well as this, out of pocket expenses such as home care and rehabilitation aren’t covered.