TPD Support Option
Same sum insured. More affordable by design.
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Your Business Development Manager is here to answer any questions you have about the TPD Support Option.
Contact your BDMKey Features
- A recovery-focused option your clients can select with their TPD policy
- Lower premiums than standard TPD and keeping the same sum insured for when your client’s need it most
- Evidence-based design shaped by real-world recovery and return to work experiences
For conditions like mental health, fatigue and functional illnesses, the journey can be unpredictable. Our TPD Support Option is built for the uncertainty and available now within the TPD product you already know.
Around 40% of TPD claims today are for health conditions that rarely follow a clear clinical path with predictable outcomes*. Traditional TPD cover – designed for more predictable recovery outcomes – isn’t always fit for purpose.
The first of its kind in market, our new TPD Support Option (TSO) is designed differently, offering:
Support for recovery where it’s possible
TSO pays the same sum insured, in a different way, for TPD Support Conditions: those that often have uncertain recovery outcomes. Partial payments (20% of the sum insured) are made at 12-month intervals, subject to eligibility each time.
It acknowledges that, with the right support, your client’s health may improve and with treatment and time, they might return to work as well.
Long-term security for those who remain permanently unable to work
For all other conditions, your client’s TPD cover remains just the same. Claims are assessed under their chosen TPD definition and paid as a lump sum.
All the security of traditional TPD. More affordable premiums. And targeted support when tomorrow’s uncertain.
How TSO works
Learn more with our TSO resources
Our unique outlook on the future of disability insurance
Informed by deep clinical expertise and inspired by real customer experiences...
The TSO was designed following extensive research, consultation and claims analysis. We listened to customers, advisers, GPs and specialist clinicians, and combined those real-world experiences with deep insights from our claims portfolio.
We’ve took an evidence-based approach to ensure meaningful support for those who need it, while maintaining value for all our customers.
To provide the support your clients need, when they really need it
For conditions like some mental health, fatigue and functional illnesses, the recovery can be unpredictable. That uncertainty can make the claims experience longer too, impacting access to early support and, in turn, recovery.
With TSO, we’ll only ask for the information we need to assess TPD at each 12-month milestone, meaning faster access to financial support.
And, for serious disabilities when the Activities of Daily Living definition is met and for clients age 62 or older, a single lump sum will still be paid.
* TAL claims data, 2026
This is a general summary only of the TPD Support Option (TSO) and does not represent all outcomes under TSO. Full details are in the PDS. Please note this option is not available where your client has a mental health exclusion applied to their policy during underwriting, or where the Double TPD option is selected.