TPD Insurance

Financial protection when life takes an unexpected turn

Life doesn’t always go as planned. One moment you’re living your everyday routine, working, supporting your family, and building your future, and in the next, a serious illness or accident changes everything.

That’s where TPD (Total and Permanent Disability) insurance steps in. It’s not just a financial product. It’s a safety net for life’s most unexpected, and often most devastating, turns.

What Is TPD Insurance?

TPD insurance provides a lump sum payment if you become permanently disabled and are unable to work again in your usual occupation, or sometimes any occupation, depending on your policy definition.

This cover is designed to help you maintain your quality of life, manage ongoing medical or care costs, and provide long-term financial security when earning an income is no longer an option.

TPD can be structured inside or outside of superannuation, and can be tailored to your personal circumstances, life stage, and financial goals.

How Focused Advisers Can Help

At Focused Advisers, we take a tailored, compassionate approach to insurance. We don’t believe in “one-size-fits-all” solutions.

We take time to understand your life, work, values, and goals.
We explain the different types of TPD in plain English, so you feel informed and in control.
We compare policies, structure cover correctly (inside or outside super), and ensure affordability.
Most importantly, if the time ever comes to claim, we’re by your side, supporting you and your loved ones through the process with care and respect.

Why Would You Need TPD Insurance?

While we all hope it never happens to us, the reality is that serious accidents and illnesses occur more often than we think.

Stroke, cancer, significant injury, neurological disorders, and degenerative conditions like multiple sclerosis can all lead to permanent disability.
According to the Australian Institute of Health and Welfare, over 4 million Australians live with some form of disability, and many are of working age.
If you’re unable to work again, how would you pay the bills, the mortgage, your medical costs, or your children’s education?

That’s the peace of mind TPD insurance can provide.

What Does TPD Insurance Cover?

A TPD payout can be used for:

Medical treatment and rehabilitation not covered by Medicare or private health insurance
Home modifications (e.g. wheelchair ramps, railings, stair lifts)
In-home care and support services
Clearing debts, such as your mortgage or credit cards
Ongoing living costs for you and your family
Education costs for children
Investing to generate future income

It’s about replacing not just your income - but your ability to live with independence and dignity.

Who Should Consider TPD Insurance?

TPD insurance is vital if you:

Rely on your income to meet living costs or support others
Have debt (like a mortgage, car loan, or credit cards)
Have children or dependents who rely on your financial support
Are self-employed and don’t have access to workers’ compensation or employer-funded disability insurance
Value independence, and want to avoid being financially reliant on family or government support

Even if you have savings or assets, a permanent disability can quickly drain your resources. TPD insurance helps preserve your wealth and protect your future.

Final Thought

TPD insurance may not be a conversation you want to have, but it could be the most important financial decision you make. You insure your car. You insure your home. Why wouldn’t you ensure your ability to live well, even if life throws you off course?

Explore your TPD Insurance Options

Book a free intro call with one of our experienced financial advisers or download our brochure and discover how TPD Insurance can give you peace of mind, no matter what life throws your way.

Book Your Introductory Call TPD Insurance Brochure