Accelerated Protection Total and Permanent Disability (TPD) Insurance

A flexible approach to TPD, that adapts as your client's needs change

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Key Features

  • Three definitions with limits up to $5 million
  • Flexible structuring options: stand alone, attached, linked or superlinked
  • Cover increases of up to $200,000 without underwriting when a major life event occurs
  • Financial planning benefit up to $5,000
  • Eligible for Health Sense discount

At the heart of our TPD insurance is giving you and your clients control over their cover so it best suits their circumstances and the potential impact of disability. We've built in a range of definitions – Own, Any or Activities of Daily Living – that you can tailor to their needs.

And there's flexibility in how TAL's TPD cover works with your clients as their lives change, including a Guaranteed Future Insurability Benefit for cover increases up to $200,000 without underwriting. The 'home duties' tier under Own or Any definitions means your client can move in and out of the workforce and be assessed against the tier that correspond to their work status at claim time.

The Health Sense discount is available too, rewarding your clients for a healthy BMI with savings of up to 15%.

Accelerated Protection TPD

Flexibility, innovation, great value

How our award-winning Accelerated Protection works for you and your clients

Designed for flexibility

Mix and match a range of products and features to best suit the needs of every client.

Simple rewards for healthy clients

Clever features like our popular Health Sense discount.

We’re there when it matters

Every working day we pay an average of $5.3m in claims.

PDS Download For a summary of the Accelerated Protection TPD insurance product, download a client fact sheet.

Find out more

Together, we're encouraging healthy lifestyles

Introducing our Health Sense Discount. Rewarding your customers with up to 15% discount on their Life, TPD or Critical Illness policy.

Find out more

Do you have a technical question?  Ask a TAL Representative

Australia's leading life insurer
TAL is one of Australia’s leading life insurers
TAL Customers
Almost 4 million customers in
Australia 

 

Commitment to Claims
$1.6 Billion in claims paid in
2017

 

Recognition for our excellence in product and service support

  • Canstar logo
  • Self Managed Super Fund 2018
  • trauma award winner 2017
  • Direct life award logo
  • Overall Platinum Award Winner 2017
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