Permanent Disability (TPD) Insurance Example

Total Permanent Disability (TPD) insurance is additional cover which can be added to a term life insurance policy or taken as a separate stand-alone product. It provides a lump sum in the event that the insured person suffers total & permanent disability.

The below premiums are the indicative premiums for a non-smoker in an office position with stand alone own occupation TPD.

Age Level of cover Monthly Premium
Male Female
20 yrs $250,000 $21 $19
$500,000 $31 $24
$750,000 $43 $34
$1,000,000 $53 $41
30 yrs $250,000 $21 $20
$500,000 $31 $30
$750,000 $42 $42
$1,000,000 $51 $51
40 yrs $250,000 $27 $27
$500,000 $43 $43
$750,000 $62 $62
$1,000,000 $75 $75
50 yrs $250,000 $80 $80
$500,000 $143 $141
$750,000 $200 $196
$1,000,000 $264 $261
60 yrs $250,000 $388 $369
$500,000 $691 $767
$750,000 $1,003 $1,008
$1,000,000 $1,237 $1,244
Published: June 17, 2017
  • A CommInsure Life Insurance Review

    The recent Commbank life insurance scandal has prompted us to reveal what CommInsure life insurance has to offer, including policy benefits & exclusions.
  • MLC Insurance In Australia

    We help you decide if MLC Insurance is right for you by evaluating their products, benefits provided & exclusions. We also review their wellness program.
  • TAL Life Insurance

    Find out if TAL life insurance, previously TOWER insurance, is worth your money. A comprehensive review of their product offering & wellness rewards program
  • AMP Life Insurance Products

    We review AMP insurance products to help you decide if they provide value for you & your family. Analyse their benefits and exclusions. Compare quotes now.
  • AIA Life Insurance

    We help you decide whether AIA Priority Protection is worth your money. A comprehensive investigation of products offered, benefits, exclusions and claims.
  • Whole vs Term Life Insurance

    The primary difference between Term & Whole of Life Insurance is the premium price and benefits provided. Here’s what you need to consider before choosing.

Ask an Expert?