Insurance & Protection
TPD insurance
Total and permanent disability (TPD) insurance pays a lump sum if illness or injury leaves you permanently unable to work. It can help with living costs, medical care, changes to your home and debts. Ensurlife helps you find suitable cover.
On this page
Who it’s for
Working people
Anyone whose lifestyle depends on being able to work.
People with debts
Those with a mortgage or loans to repay.
Self-employed people
People without employer support if they can’t work.
What’s included
How much cover
Working out a lump sum that would meet your needs.
Definitions explained
The difference between ‘own occupation’ and ‘any occupation’ cover.
Inside or outside super
The effects of holding TPD cover through super.
Application help
Help with the application.
How it works
Talk
Your work, income and commitments are discussed.
Needs
The amount of cover is worked out.
Options
Policies and definitions are compared.
Apply
You apply and the insurer assesses your application.
Good to know
Definitions matter
Each insurer defines ‘total and permanent disability’ differently. ‘Any occupation’ cover, common in super, can be harder to claim on than ‘own occupation’ cover.
General information
Information here is general, not personal advice. Read the product disclosure statement.
Questions
Can’t find your answer? Ask us and we’ll pass your question to the right business.
Answers are general information, not personal advice.
Reviewed by the licensee Ensurlife’s advisers act for · Last updated 6 October 2026
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Important information
General information only: it does not take your personal circumstances into account.
Services described here may be subject to eligibility, professional registration or licensing requirements. Confirm the relevant scope and documents directly with Ensurlife, Wealth Mantra before proceeding.
Next step
Ready to talk aboutTPD insurance?
Tell us a little about your situation and we’ll pass it to the Ensurlife team.
