Total and permanent disablement (TPD) cover

As much as we can plan for the future, many things in life are unpredictable – like accidents and illness. If an unexpected incident happens in your life, there won’t only be medical costs to cover – you’ll also need to stay on top of living expenses even when you’re not earning an income.  

You want to ensure that you and your loved ones will enjoy financial wellbeing, regardless of your life circumstances. That’s why it’s important to be prepared for whatever life throws at you – and total and permanent disablement (TPD) cover offers just that.  

How does it work?

TPD cover provides a lump sum payment if you become totally and permanently disabled.  

Our flexible cover options put you in control of how much you’ll receive. Depending on the cover you choose, TPD insurance can also provide partial payments during the earlier stages of disablement and for less severe conditions. 

You use the money however you choose, based on your immediate needs. These might include:  

  • Covering the costs of medical treatment and rehabilitation 

  • Keeping up with day-to-day expenses  

  • Helping your loved ones maintain a comfortable lifestyle  

  • Paying down debts  

  • Hiring a carer or other at-home support 

  • Travelling interstate for medical care. 

Key features and benefits

  • Flexible options: Tailor your policy structure to suit your needs – for example, with single or joint policy owners and cover inside or outside of super. Some benefits are not available inside super.
  • Guaranteed term: Your policy is guaranteed up until the end date of the benefits you’ve chosen, regardless of any changes in health or lifestyle.
  • Worldwide cover: You’re covered 24 hours a day, seven days a week anywhere in the world as an Australian resident.
  • Inflation protection: Your cover automatically increases each year, so it won’t be impacted by inflation.

This is a summary of key features only. Please refer to the relevant Product Disclosure Statement for full details.

Our TPD products

Wealth Protection

Wealth Protection is a flexible suite of life insurance solutions – including death, TPD, trauma and income protection cover.

What you need to know about TPD

Your quick guide to the essentials of TPD cover.

❯ Read more about how TPD works

❯ Learn more about insurance on our Education Hub

Buying Zurich life insurance

Through a financial adviser

Everyone is different and everybody's circumstances are unique. A financial adviser can help you make sense of your current financial situation, as well as your goals for the future, to ensure you get the right level of cover in place to suit your individual circumstances. Talking to a financial adviser means you can rest assured you are making the most of our products' unique features and options, both today and into the future. It can also help you structure your cover in a way that delivers the best value for money and best suits your cash flow and tax objectives.

Find an adviser

Zurich provides a free service that can connect you to an independent financial adviser:

ASIC’s MoneySmart website also has valuable information on what to look for when choosing a financial adviser.


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