Total and Permanent Disability (TPD) Cover pays a lump sum of up to $5 million if your client is totally and permanently disabled or partially and permanently disabled* due to illness or injury.  

Your client can choose TPD Cover as a stand-alone policy, or combine it with a Life Care or Trauma Cover policy.

We offer two different TPD definitions:

  • Own occupation* – the insured needs to satisfy us that they’re unlikely to engage in their own occupation ever again
  • Any occupation – the insured needs to satisfy us that they’re unable to engage in any occupation for which they are reasonably suited by education, training or experience.

*Not available inside super. 

Claims testimonial: Raechael's story

TPD Cover features and benefits

At a glance

  • Pays a one-off lump sum of up to $5 million
  • Stepped premium type:
    • Minimum entry age 15
    • Maximum entry age 60
  • Level premium type:
    • Minimum entry age 17
    • Maximum entry age 54
  • Cover expiry date will be the policy anniversary date before insured's 99th birthday and changes to Loss of Independent Existence only on policy anniversary before the insured's 65th birthday.
  • For some medical conditions, we will assess the claim from the day the condition is diagnosed (no waiting periods).



Key benefits

  • TPD Cover benefit: pays a lump sum if the life insured is totally and permanently disabled
  • Death benefit: if your client has stand-alone TPD Cover and were to die, we pay a lump sum of $10,000
  • Severe Hardship Booster: pays double the insured lump sum (up to $250,000) if your client suffers loss of limbs or sight
  • Loyalty Bonus benefit: after 5 years of cover, we automatically increase the TPD payment benefit by 5% at no extra cost
  • Accommodation benefit: helps cover the cost of accommodating an immediate family member if the insured is confined to a bed due to total and permanent disablement and a long way from home
  • Financial Planning benefit: pays up to $5,000 to help cover the costs of seeking financial advice after we pay a TPD Cover benefit.



Download the PDS for full list of benefits >


When is a benefit paid?

We’ll pay a TPD benefit if:

  • You suffer loss of limbs or sight
  • You suffer partial* and permanent disability
  • You suffer a day one condition
  • You suffer loss of independent existence
  • You meet the TPD definition as applicable under your policy (including the definition for domestic duties).


*Partial and Permanent Disability

If you suffer the loss of one hand or one foot or partial blindness, and your TPD Cover is outside of superannuation, we will pay 25% of your TPD sum insured up to a maximum of $500,000.


Please read the definitions in the PDS to fully understand these benefits.



Case study

Grant, an IT consultant was earning $150,000 a year. His financial adviser recommended he put in place a financial plan that included TPD cover. 

Just as well he did, because six months later a truck smashed into Grant’s car while he was driving home from work one night. Grant suffered a major head trauma, multiple fractures and a spinal injury which left him a quadriplegic. 

CommInsure paid Grant a lump sum of $800,000 quickly after he notified us of his claim as there was no waiting period for this day one condition. This helped cover medical expenses and rehabilitation care as a result of his paralysis. Importantly, he was also able to pay off his mortgage and modify his home so he could move about more easily.

Imagine the financial consequences for Grant and his family if he hadn’t had TPD cover?


Grant - TPD case study

*Features and benefits of  TPD Cover inside superannuation vary from outside superannuation.