Compare TPD Quotes Online

Total and Permanent Disability Insurance, often called TPD Cover, can help provide financial support if illness or injury leaves you totally and permanently disabled, depending on the terms of the policy.

JIC Insurance’s online comparison tool helps you compare TPD Insurance options from a range of leading Australian insurers, with support available if you need help understanding your options.

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What is TPD cover?

Total and Permanent Disability Insurance generally provides a lump sum payment if you become totally and permanently disabled due to illness or injury and meet the policy definition.

The benefit may help with expenses such as:

Mortgage or rent
Household bills
Medical and rehabilitation costs
Home or vehicle modifications
Loan repayments
Family expenses
Long-term living costs
Financial support if you cannot return to work

TPD Cover is different from Life Cover because it is designed to respond while you are still alive but permanently disabled.

It is also different from Income Protection Insurance, which is generally designed to provide a monthly benefit while you are unable to work due to illness or injury. TPD is usually structured as a lump sum benefit.

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Enter Your Details

Provide basic information such as age, occupation, smoking status and the amount of TPD Cover you want to compare.

Choose Cover Options

Review options such as cover amount, ownership structure, premium structure and whether TPD Cover is linked or standalone.

Compare Available Quotes

Compare available TPD Insurance options from a range of leading Australian insurers.

Get Support If Needed

If you need help understanding your options, definitions or next steps, JIC Insurance can assist.

Insurance Premiums

What Affects TPD Insurance Premiums?

TPD Insurance premiums can vary between insurers because each insurer assesses risk differently.

Factors that may affect the premium include:

Age
Occupation
Health history
Smoking status
Lifestyle
Cover amount
Policy definition
Ownership structure
Whether cover is linked or standalone
Premium structure
Policy features and options

This is why comparing options can be useful. A quote from one insurer does not always show what may be available across the broader market.

Cover Amount

How much financial support would you need if you became totally and permanently disabled?

This may include mortgage debt, other debts, medical costs, rehabilitation costs, home modifications, car modifications and long-term living expenses.

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Definitions

The definition of total and permanent disability is one of the most important parts of a TPD policy.

Depending on the policy, TPD may be assessed using definitions such as:

Own occupation
Any occupation
Activities of daily living

Different definitions can affect how a claim may be assessed, so it is important to review the policy wording carefully before applying.

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Linked or Standalone Cover

TPD Cover may sometimes be linked with Life Cover.

If cover is linked, a TPD claim may reduce the remaining Life Cover benefit, depending on the policy structure.

Standalone TPD Cover may work differently.

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Ownership Structure

TPD Cover may be held personally or through superannuation, depending on the policy and structure.

TPD through super can be convenient because premiums may be deducted from your super balance, but the policy definitions and access rules should be reviewed carefully.

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Premium Structure

Consider whether premiums are affordable now and how they may change over time.

Premiums may increase over time depending on the premium structure and policy terms.

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Policy Terms

Review definitions, exclusions, claim requirements, the Product Disclosure Statement and the Target Market Determination before applying.

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Possible Through Super?

Can TPD Insurance Be Held Through Super?

Some Australians hold TPD Insurance through their superannuation fund.

Insurance through super can be convenient because premiums may be deducted from the super balance rather than paid directly from personal cash flow. MoneySmart notes that most super funds provide Life Cover and TPD Insurance automatically to eligible members aged 25 or over, subject to conditions.

However, when reviewing TPD Cover through super, it is important to consider:

Whether the cover amount is enough
Whether premiums reduce your super balance
Whether the policy definition suits your occupation
Whether the cover remains active
Whether you have cover in more than one super fund
Whether the claim proceeds can be released from super
Whether personally owned cover may offer different options

Before applying for new cover, it can be useful to check what TPD Insurance you already have through super.

It can be possible for you to structure your TPD Insurance compared through JIC Insurance, to be paid via your superannuation.

Simple Online Comparison

Compare available TPD Cover options through a clear online quote process.

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Range of Leading Insurers

Review Total and Permanent Disability Cover options from a range of Australian insurers.

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Support Available

Get help if you need assistance understanding the comparison, definitions or next steps.

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FAQs

TPD Insurance FAQs

Can I compare TPD insurance quotes online?

Yes. JIC Insurance’s online comparison tool allows you to compare available TPD Insurance options from a range of leading Australian insurers.

What does TPD Insurance generally provide?

TPD Insurance generally provides a lump sum payment if illness or injury leaves the insured person totally and permanently disabled and they meet the policy definition.

What affects TPD Insurance premiums?

Premiums may be affected by factors such as age, occupation, health history, smoking status, cover amount, ownership structure, policy definition and premium structure.

Can TPD Cover be held through super?

In some cases, TPD Cover may be held through superannuation. It is important to compare the cover amount, policy terms, premiums, definitions and whether the structure suits your needs.