Total and permanent disability cover.

Total and permanent disability cover.

Cover that can make a big difference to you and your family.

What is Total and permanent disability cover?

Chances are your family relies on your ability to work. But if you become totally and permanently disabled, this Total and permanent disability (called TPD for short) policy can help you get the care you need – and ensure your family is looked after. You can add it into your Life cover or take it as a stand-alone policy.

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  • Entry age is from age 16 to 64.
  • Your insurance ends at age 100, as long as you keep paying your premium.
  • You can pay fortnightly, monthly, quarterly, half-yearly or yearly.
  • You can choose to help protect your cover against inflation by having the amount you’re insured for increase each year.
  • Even if you don’t have a paying job (homemakers for example) cover is still available, we’ll just assess your cover differently.
  • You can have TPD cover as a standalone benefit or added as an accelerate benefit that’s taken from your Life cover – ask us how.
  • There are two types of payments; age-rated payments fixed for one year at a time, and normally increase in line with age, OR level term payments which are fixed for the life of the policy.
  • We always recommend chatting with an adviser about the right insurance for you.
Read our TPD cover customer brochure.

More about Total and permanent disability cover.

  • What is it?
  • Why should you get it?
  • What’s the deal?
  • Anything else?

What is it?

TPD is paid out if you become totally and permanently disabled and are unable to work – whether that’s in a workplace, home or even if you’re a student.

Why should you get it?

Well, the debts and bills don't stop – especially if you need ongoing medical care or therapy.

What’s the deal?

You pay an amount of money (called a ‘premium’) for a policy. The policy is a contract so you know exactly what we’ll pay out for. If you keep paying for your insurance with us, and the policy terms and conditions have been met, we’ll pay out for everything we agreed.

Anything else?

You can keep this insurance going even after retirement age – so your policy still works for you. It’s important to note though that if you’re not working, the definition of what totally permanently disabled means does change. Also, if you get married or have a baby for example, you could increase the value of your cover any time before the age of 55 without needing to give us medical evidence (check out the TPD info sheet for details are there are a few conditions). You can increase your cover at any time up to age 75 though, but we may need to do health and financial checks.

Life insurance 101 guide.

Visit our easy-to-read and plain-English life insurance 101 guide, to help you learn about what protection you might need.

Discover more.

Questions? Start here.

We’ve compiled a list of the most commonly asked questions about this cover.
For a good overview of the ins and outs, it’s worth reading the info sheet.

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Get in touch.

It’s easy! Drop us a line and an adviser will get hold of you for a no-obligation chat.

Get started.

Why choose Fidelity Life.

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* Fidelity Life has an A- (Excellent) financial strength rating from A.M. Best. The rating scale that this rating forms part of is available for inspection at our offices. For more information please visit Fidelity Life's financial strength page.

Disclaimer – the information contained in this webpage is a summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document.

Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your financial adviser. Please refer to current policy documents for specific details. This webpage does not provide a personalised financial advice service.