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For many of us, Total and Permanent Disablement (TPD) insurance forms a part of our overall personal insurance plan; it has been designed, in the event of a disabling sickness or injury, to help relieve financial stress in a time when our world has been turned upside-down.

Importantly, many factors need to be decided upon when establishing a TPD insurance policy, such as, but not limited to the following:

  • The claim definition,
  • The ownership structure,
  • The sum insured,
  • The premium style and frequency, and
  • Pre-existing conditions, exclusions and loadings.

In this animation, we illustrate the details surrounding TPD insurance. If you have any questions after watching this animation, then please do not hesitate to contact us.