Total & Permanent Disability Insurance

Insurance which provides a lump sum benefit if you are totally and permanently disabled. Generally, this means that you have suffered a disabling injury or illness that prevents you from ever carrying out work for which you are reasonably suited by education, training or experience (or, in some cases, your own occupation) and you are under the regular care and attention of a doctor; or you have suffered permanent loss of certain limbs or eyes or a combination of them.