What is Death and Total and Permanent Disablement (TPD) cover?

Death cover provides a one-off lump-sum payment in the event of your death (and includes a terminal illness benefit¹).

TPD cover provides a one-off lump-sum payment if you are totally and permanently disabled and can’t work because of that condition.

1 Death cover also entitles you to claim for a terminal illness benefit. If two Registered Medical Practitioners have certified in writing on or after 1 July 2016 that you are terminally ill and have less than 24 months to live, regardless of any treatment undertaken, you may be able to claim your full Death benefit as a one-off lump-sum payment. The claims process includes providing two medical statements. For more information see the Understanding the insurance claims process fact sheet.