Total Permanent Disablement Insurance

PERSONAL PROTECTION

Support for life if a serious disability changes everything.

If an accident or illness leaves you totally and permanently disabled and unable to work, TPD insurance can provide a lump sum payment to help protect your lifestyle, reduce financial pressure, and support your family through a major life change.

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Financial support when working is no longer possible.

A permanent disability can affect far more than your income. It can create added pressure through medical costs, home changes, specialist equipment, and ongoing household expenses. Total Permanent Disablement insurance is designed to provide financial support when adapting to a new reality, so you can focus on your recovery and long-term wellbeing.

How we support you:

  • Lump Sum Financial Support:

    A lump sum payment can help with mortgage commitments, medical expenses, caregiver costs, and everyday living costs when you are no longer able to work.

  • Home, Vehicle, and Equipment Assistance:

    Support may be available to help fund specialist medical equipment, home alterations, or vehicle modifications needed as a result of permanent disablement.

  • Guidance at Claim Time:

    At claim time, reimbursement may be available for financial and legal advice, helping you make informed decisions during a difficult period.

Family receiving support after a life-changing disability
THE RIGHT COVER

How MIK Solutions can help.

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TYPICAL COVER AMOUNTS $300k – $2M+

TPD cover is commonly structured to account for lost income, mortgage obligations, ongoing medical costs, and long-term care needs.

POLICY APPROVAL TIMEFRAME 3–10 days

Once medical and financial information has been provided, many insurers can confirm TPD policy approval within a short timeframe.

COVER FLEXIBILITY 100% customisable

Policies can be structured around own occupation or any occupation, and adjusted with optional benefits to match your circumstances.

TPD INSURANCE PATH

MIK Solutions; our process from review to protection.

1. Protection needs review

We begin by understanding your occupation, income, financial commitments, and family responsibilities to identify the right level of TPD cover.

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2. Cover recommendations

Based on your situation, we explore TPD cover options from trusted insurers, including occupation definitions and optional benefit structures.

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3. Application preparation

We help organise your medical and financial documentation to support a smooth and accurate application process.

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4. Policy activation

Once approved, your cover is active, and we remain available to review your policy as your occupation, income, or family circumstances change.

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Frequently Asked Questions

TPD insurance is worth considering for anyone who relies on their ability to work to meet financial obligations such as mortgage repayments, household expenses, or family commitments.

Own occupation cover assesses whether you can return to your specific job, while any occupation cover considers whether you could perform any work suited to your skills and experience. Own occupation cover is generally considered broader in its protection.

Yes, many TPD policies include a special events increase facility, allowing you to increase your cover after key life events without the need for additional medical underwriting.

Protect your future if the unexpected changes everything.

A serious disability should not mean financial hardship for you and your family. Speak with an MIK Solutions advisor to explore TPD cover that fits your needs and gives you confidence in your long-term protection.

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