Zurich Total and Permanent Disability Insurance

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Zurich Life Insurance products are all offered under their Wealth Protection Plan.


Zurich refer to Total and Permanent Disablement Insurance as TPD Cover.

Built-in Benefits

The following benefits are built into Zurich's TPD insurance plan:

TPD benefit

A lump sum payment on the life insured's total and permanent disablement.

Partial TPD benefit

An advance payment of the TPD benefit if the life insured suffers a specified injury.

Inflation protection

Cover will increase every year unless declined by you.

Future Insurability benefit (personal)

Increase cover without underwriting at certain times.

Financial planning advice benefit

Reimburses the cost of advice.

Premium freeze

Freeze the amount you pay by reducing your cover.

Interim cover

Puts some cover in place as soon as you apply.

Benefits at additional costs

The following benefits are available at an additional cost:

Premium waiver option

Pays premiums if the life insured is disabled and cannot work.

Accidental death option

Extra cover for death due to accident.

Living activities TPD option

A lump sum payment on the life insured's inability to perform at least two activities of daily living, cognitive impairment or specific loss.

Business future cover option

Increases cover without health evidence each year.

Needlestick cover option

A lump sum payment on occupationally acquired HIV, Hepatitis B or C.

Insured child option

Includes death, terminal illness and trauma benefits for each child you insure.

Double TPD option

Death cover can be reinstated after a TPD claim.

Buy back TPD option

TPD cover can be reinstated following a Trauma

Contact Zurich Insurance

Call: 131 551
Zurich Website: www.zurich.com.au