Total and Permanent Disability Insurance

Peace of mind protection for yourself and your future.
What is Total and Permanent Disability

It’s easy to take your health for granted. But if an accident or illness left you permanently unable to work, your whole world would change – and those who rely on you could suffer financially too. Total and Permanent Disability (TPD) insurance can help financially protect you and your loved ones.

What is Total and Permanent Disability Insurance (TPD)?

TPD provides protection against total and permanent disability, by providing a lump sum payout if you can never work again. Generally, you can purchase TPD with your death cover.

With TPD, you receive a lump sum payout if you become permanently disabled, as defined by your insurance policy and therefore unable to work. For example, your policy may cover you if you can no longer work in your usual job – or it may only cover you if you can’t work in any job at all.

The amount of money you receive depends on how much cover you purchase. You can use this to cover your medical costs and bills, and your future expenses.

Who should consider it?

You should consider taking out TPD if you would be unable to support yourself, or you and your family, because of a permanent disability. Remember, medical, rehabilitation and additional costs of a disability – like modifying your home or car – should also be taken into account when considering cover.

How it works

You decide how much cover you will need if you are no longer able to work. You then pay a regular premium, depending on the 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.

If your claim is approved, you’ll receive a lump sum payout, which you can use to help cover any medical treatment you need, plus you and your family’s living costs.

About MetLife TPD Insurance
TPD Insurance Partners

MetLife TPD Insurance is available through our partners:

If you are an existing policy holder and have a question about your cover or require a PDS please contact your provider directly.

Partner Benefits

Peace of mind for you and those who depend on you

  • Choose your level of cover: Depending on the product you choose, you may be able to choose your level of cover based on your financial needs.
  • Get the amount of cover you need: You can apply to increase the amount of cover you have at any time – or reduce it if you need to (subject to the minimum cover level).
  • Purchase cover for yourself or those close to you: You can purchase TPD cover for yourself, a spouse or a business partner.
  • Cooling off period: If you change your mind about taking up cover and decide that this isn’t the right cover or product for you, we’ll refund you fully within the cooling off period (provided you have not made a claim).
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