Total and Permanent Disability Insurance

Why Total and Permanent Disability Insurance (TPD) and how we at iMeritus as experienced Financial Adviser can help?

Adequate Total and Permanent Disability (TPD) Insurance can help maintain quality of life in the unfortunate event of total and permanent disability. Benefits, which are paid in a lump sum, can be used to help pay for rehabilitation costs, to refit homes if necessary, to allow a partner or family member to reduce working hours to enable ongoing care or to pay for a professional carer.

Total and Permanent Disability Insurance helps you modify your lifestyle and give you choice and options if you're left without the ability to work. Total and Permanent Disability Insurance provides a one-off payment that can help you:

· fund lifestyle changes and home modifications

· cover the cost of long-term care or medical expenses

· pay off any debts including your mortgage

· fund an ongoing income for your family.

There are a number of considerations when looking at Total and Permanent Disability Insurance. These options include how you pay premiums, ie stepped or standard premium payments, and occupation options. These choices affect the amount of premium you pay.

To find out more about Total and Permanent Disability Insurance and the most appropriate options for your circumstances contact an iMeritus financial adviser on 1300 916 211 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

iMeritus is a leading Financial Planning Group in Noosa and on the Sunshine Coast, offering expert and experienced Financial advice and Insurance Advice.