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Total and Permanent Disability Insurance

Peace of mind protection for you and your family’s future.

What is TPD Insurance?

TPD insurance gives you protection against total and permanent disability by providing a lump sum payout if you can never work again due to injury or illness.

Lump sum payment

Cover medical or rehabilitation costs, modifying your home or lifestyle choices.

Flexible cover options

Choose the level of cover based on your financial needs, and increase or decrease it at any time.

Extended peace of mind

You can purchase TPD cover for yourself, a spouse or a business partner.

Covers range of disabilities

Usually covers a range of disabilities that can include hearing loss, loss of sight, mental health disorders, speech impairment.

How it works

The amount of money you receive depends on how much cover you purchase.

Then you can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan.

You decide how much cover you will need if you are no longer able to work. You then pay a regular premium depending on your TPD Cover Amount you have selected. The cost of your premium will also depend on factors like your age, the industry you work in, your medical history and your lifestyle.

Policies with TPD Cover pay a benefit if you can no longer work due to injury or illness in your usual job (Own Occupation Benefit) or may only cover you if you can't work in any job for which you may be suited to by education, training or experience (Any Occupation Benefit). Premiums, terms and conditions will vary according to the definition, so please speak with your financial adviser before making any decision.

MetLife not only allows you to choose the TPD Cover that’s right for you, but also gives you the flexibility to adapt the type of cover you need according to your changing needs, age and lifestyle by adding optional extras that tailor your TPD Cover further.

How TPD Insurance works

How to get Total and Permanent Disability Insurance

Take care of what’s important and protect your family’s future.

Get in touch with your financial adviser and learn more about your insurance options. 

MetLife Protect Insurance MetLife Protect

Retail insurance is a type of fully underwritten policy that is distributed to customers through financial advisers. It is an individual life insurance product and can include Life cover, Total and Permanent Disablement, Income Protection and Trauma. 

MetLife Protect is our retail insurance product.

Insurance inside Super Insurance inside Super

A large number of superannuation funds have a built-in life insurance policy that provides automatic protection when you become a fund member. This default insurance can include Life cover, Total and Permanent Disablement and Income Protection. 


Speak to your adviser

We live in a fast-paced world, but with MetLife it’s easy to protect what matters as your life changes.

Contact your financial adviser today for more information.

If you don't have a financial adviser, we can help you find one.

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Life Insurance
Life Insurance

Support and peace of mind for people facing the consequences of death and terminal illness.

Total and Permanent Disability Insurance

Total and Permanent Disability Insurance

Provides protection if you’re permanently unable to work due to injury or illness.

Trauma Insurance
Trauma Insurance

A lump sum payment to help you and your family cover medical and living costs – so you can focus on recovery.

Income Protection Insurance
Income Protection Insurance

Regular payments to help you maintain your lifestyle while you’re unable to work due to injury or illness. 


Claims Philosophy

Insurance is a promise we mean to keep – and a claim is our moment of truth. With over $485 million in claims paid last year, you can count on MetLife to be there when you need us most, along with a Claims decision within 10 days of getting your information. 

What is Underwriting?

Underwriting can make all the difference when individual circumstances need to be factored in. That’s why we employ a dedicated and experienced local underwriting team to find the very best solution for your insurance.

Insurance Calculator

Our calculator is designed to provide you with an estimate of how much insurance protection cover you may need in the event of a trauma, death, total and permanent disability (TPD) or if you are unable to work. Plus it’s simple and easy to use.

How else can we help you?

Need a form? Have a question? Or simply want to find out more about the benefits of MetLife insurance solutions.

This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

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