Total and Permanent Disability (TPD) Insurance

Protect your future with total and permanent disability insurance (TPD). Financial security for life’s unexpected challenges. Get your quote today.

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What is TPD insurance?

Total and Permanent Disability (TPD) Insurance provides a lump sum payment if you become permanently unable to work due to illness or injury. This payout can help cover medical costs, pay off debts, and support your family’s ongoing living expenses, giving you financial security when you need it most.

Life can change in an instant. If illness or injury leaves you permanently unable to work, TPD insurance provides the financial support you and your family need to maintain stability. It helps cover medical expenses, repay debts, and safeguard your lifestyle.

Why it matters.

Financial Security

Receive a lump sum if you can never work again due to illness or injury.

Benefits ✓

Debt Protection

Pay off your mortgage, personal loans, or other debts to ease financial stress.

Everyday Expenses

Cover everyday living costs, school fees, and medical bills.

Flexibility

Use the payout however you need, from medical care to long-term planning.

It provides financial support if you can’t earn an income again, helping cover medical costs, repay debts, and support your family’s future.
This depends on your income, debts, living expenses, and how much support your family would need if you couldn’t work.
No, life insurance pays out if you pass away or are diagnosed with a terminal illness. TPD cover pays out if you become permanently disabled and unable to work.
Yes, many people hold both to ensure broader financial protection for themselves and their families.
Insurers assess whether your condition meets the definition of “total and permanent disability,” which usually depends on your ability to ever return to work.
Once approved, the insurer pays the lump sum directly, which you can use however you need.