Same total sum insured. More affordable by design.

Your clients can request an existing business quote through you (via the TAC) or call us directly on 1300 209 088 for Accelerated Protection or 1300 553 764 for Protection Plans to request a quote. Later this year, eligible customers will also be able to request a quote online; we’ll let you know when that functionality is available.

For Accelerated Protection applications, please complete the Application to add TPD Support Option (TSO) on the TAC, which is available from 1 August 2026.

For Protection Plans applications, please complete the Protection Plans Application to add TPD Support Option (TSO) on the TAC, which is available from 1 October 2026.

At this stage, only customers with upcoming policy anniversaries can access TSO as an alteration on their policy, except for:

• Accelerated Protection clients with a PDS dated 5 August 2022 or earlier with anniversaries in June, July, August are eligible to apply from 1 August 2026.
• Protection Plans clients with anniversaries in July, August, September and October 2026 are eligible to apply from 1 October 2026.

For Accelerated Protection clients, the following eligibility criteria apply:

• TPD definition is Any Occupation or Own Occupation (not ADL)
• Life insured is aged 61 (ANB 62) or younger at time of application
• No mental health exclusion applies to the TPD benefit
• No Double TPD Option on the policy
• No notified, active or eligible TPD claim exists
• Customer has received their Significant Event Notice (SEN)

For Superlink policies, TSO must be applied to both policies (Ordinary and Super).

For Protection Plans clients, the following eligibility criteria apply:

• TPD definition is own occupation TPD or any occupation TPD;
• Insured Person is aged 61 or younger at time of application for TSO;
• Not entitled to or currently claiming a benefit under TPD cover;
• No exclusions applied to TPD cover for mental health related conditions or disorders;
• TPD cover does not include the Double TPD Benefit; 
• TPD cover is not held under a Protection Plans Reserve Policy; and
• Customer has received their Significant Event Notice (SEN)

For flexible-linking policies, TSO must be applied to both the Ordinary and Super policies.

The TPD Support Conditions include any one or more of the following: 

Mental conditions or disorders
Any mental or behavioural illness, conditions or disorders, including any symptoms, manifestations or complications thereof. This is taken to include but is not limited to anxiety; depression; bipolar disorder; post-traumatic stress disorder and other disabling stress; attention deficit and/or hyperactivity disorders; burnout; eating disorders; alcohol or drug use disorders or abuse; insomnia; physical complications of a psychiatric disorder; and any emotional, cognitive, behavioural, or somatic symptoms and manifestations of any mental or behavioural illness, conditions or disorders

Fatigue and functional disorders or conditions
Chronic tiredness, fatigue or exhaustion; or difficulty recovering from exertion that is not explained by structural organ disease or demonstrable tissue damage. This is taken to include but is not limited to chronic fatigue syndrome; fibromyalgia; functional neurological disorder; burnout related disorders or conditions; and long COVID

Other specific syndromes and disorders
Postural orthostatic tachycardia syndrome, post-concussion syndrome and vestibular disorders.

Note: Alzheimer’s disease and dementia are not TPD Support Conditions.

Please refer to the TSO Terms and Conditions, Issue 1, 1 August 2026 for the complete definition of all TPD Support Conditions for Accelerated Protection policies or for Protection Plans policies TSO Terms and Conditions, Issue 1, 1 October 2026. You can also refer to the relevant SPDS for each product.

Removing TSO requires underwriting and it’s not guaranteed. Your client may not be able to regain their original TPD cover.

Please note, if your client applies for TSO directly through us and you or your client subsequently wishes to cancel that request, please contact your BDM to discuss. Like all alterations, if your client makes any changes to their policy, a confirmation letter will be made available via their policy record in Inforce Management.

When TSO is added to an existing policy, commission will continue to be paid in accordance with the commission terms applicable to that policy and will apply to the commissionable premium after selection of TSO.