It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again.
How would your family or your business cope if you were permanently disabled? Do you have a plan to provide for them? What would happen to your future plans, and theirs?
How disability insurance works
Sovereign Total Permanent Disablement (TPD) cover provides a lump sum in the event of total permanent disability caused by accident or illness, and you can choose how to spend it. It might be paying off the mortgage, getting the best medical care, improving access to your home and workplace, or ensuring your business survives.
With total permanent disability insurance, you can choose to be covered for any occupation or just your usual occupation.
Download Total Permanent Disablement customer guide
Download Total Permanent Disablement (Personal) policy wordings
Accidental Injury Cover
Short-term financial support, helping you continue daily life while recovering from an accidental injury. Read more
Specialist and diagnostic testing
This benefit can help you access the best specialist care available, and get the diagnostic tests or essential treatment you need. Read more
Key recent enhancements
Special Events Increase Facility
You are able to increase your TPD Benefit following a set list of milestone events in your life without providing medical evidence.
Increased Financial Advice Benefit to $2,500
If you receive a TPD claim payment, you are eligible to claim up to $2,500 for the cost of financial advice from an eligible adviser.
For further information about these and other enhancements, please contact your adviser or refer to the customer guide or policy document.
Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply. The information contained on this website is general in nature and is not intended as advice. Before making any investment, insurance or financial planning decision you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.