Total & Permanent Disability Insurance
What is TPD Insurance?
Total and Permanent Disability (TPD) Insurance provides you with a lump sum payment should you have an accident or injury that leaves you permanently disabled. It can help cover the cost of medical and rehab treatments, debt repayments or other costs of living so you can go on making the most of your life.
Peace of mind through our life insurance partner TAL
TAL is our life insurance partner, one of Australia’s largest life insurers. TAL insures millions of Aussies and has 150 years' of experience protecting Australians and their families.
Key features and benefits
Total and permanent disability benefit
You can get a quote online for cover up to $1.5 million. For cover up to a maximum benefit of $3 million, call TAL on 1300 345 620.
Advanced payment benefit
An advanced payment of 25% of the benefit amount ($500,000 maximum), if you suffer permanent loss of use of a single limb or eyesight in one eye. Not available when structured through superannuation.
Inflation protection benefit
Your benefit amount automatically increases on the policy anniversary by 5% or the indexation factor, whichever is higher, to keep pace with inflation. This benefit does not apply when you are on claim.
Guaranteed future insurability benefit
You can apply to increase your cover by up to $200,000 without providing additional health information, when a significant life event occurs eg. marriage, childbirth, home-buying.
Long distance accommodation benefit
Reimburses up to $250 per day, up to 14 days, for accommodation costs of an immediate family member when they're required to travel more than 100km to be with you. To be eligible, you must be bed confined more than 100km from your usual place of residence and 100% of either the Terminal Illness, TPD or Critical Illness benefit must have been paid.
All of the above features may have restrictions or conditions. You should read the PDS on TAL's website to understand how it may apply to you.
To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
Why TAL TPD Insurance?
.jpg)
Insurance features & benefits
TAL Accelerated Protection has a range of features and benefits you can choose from.
Built by you, for you
Tailor your cover to suit your individual needs, an insurance plan designed by the person who knows your life best: you.
24/7 grief counselling
24/7 access to dedicated grief support.
$3.5 billion in claims paid*
TAL's claims and health team help with more than just payments: get support from them throughout your recovery.
TAL rewards you for healthy living
Get a discount of up to 15% on your life insurance premiums^
TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life, CI and TPD insurance premiums, with TAL's Health Sense program.
Eligibility criteria and T&Cs apply. Discount calculated and applied by TAL. To find out more, visit the TAL website.
Getting a quote is simple
1. Explore cover options
Get started with an online total and permanent disability insurance quote with our partner TAL. To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
2. Get a quote in minutes
Enter your personal details: age, date of birth, gender, occupation, income and smoking status. Then, submit your request to the insurer.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either continue the application via a call back from a TAL consultant or proceed online.
Frequently asked questions
Total & Permanent Disability (TPD) Insurance provides you with a lump sum payment should you have an accident or injury that leaves you permanently disabled and unable to work. It can help fund the cost of medical and rehabilitation treatment costs, debt repayments and other costs of living, so you can go on making the most of your life.
What other insurance can I include in my Life Insurance plan?
TAL Accelerated Protection has a range of insurances you can include to build cover that’s just right for you.
Life insurance help and guides
Things you should know
*In 2022/23 TAL paid $3.5 billion in claims.
^A maximum 15% Health Sense discount applies to lump sum premiums for non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection (IP)) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. More information is available on request from TAL.
For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per-mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only.
Any financial product advice provided on this website is of a general nature only and does not take into account your personal circumstances. Westpac refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, Westpac will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.
Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circumstances and needs. You can obtain the PDS and TMD from TAL’s website or by calling TAL on 1300 345 620.
By accessing TAL’s website, you will enter a third-party site not owned by Westpac. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website.
If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.