Loss of income
TPD insurance can provide a lump sum payment to help cover your living expenses.
TPD INSURANCE · QUOTES
Total and Permanent Disability (TPD) Insurance - Get a Free Online Quote
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You'll see real quotes based on your choices, including how much you could save with our 12.5% premium refund model.
What Is TPD Insurance?
TPD insurance pays a lump sum if you become permanently disabled and can no longer work due to serious injury or illness. It helps cover:
Rehabilitation
Get support to recover or adapt to your new circumstances, including medical expenses, rehabilitation, and home modifications.
Mortgage or rent
Cover your mortgage or rent repayments to ensure you can stay in your home.
Support for your family
Cover education costs, childcare, and other expenses to ensure your family is taken care of.
Why Buy TPD Insurance Through Us?
Compare TPD insurance quotes from trusted Australian insurers - 100% online, with around 12.5% of your premium refunded to you every year.
You'll get fully underwritten cover, with no hidden fees or sales pressure.
12.5% of your premium refunded
You keep more of what you've paid for.
100% online process
No phone calls unless you want one.
Insurer-quality policies
AIA, Zurich, TAL, MetLife, OnePath, NEOS and more.
Two Types of TPD Cover
Choose the right definition for your needs - the type of cover you select impacts how claims are assessed.
Own Occupation
You're covered if you can't return to your specific role or profession. Ideal for specialists and skilled professionals.
Any Occupation
You're covered if you can't work in any job suited to your training, education, or experience. This is the default type available through super.
Note: Own Occupation cover is not available through super - but you can choose a linked policy to access both flexibility and savings. See more here.
Linking Life and TPD Insurance - Smarter, More Affordable
Linking your TPD cover to your Life Insurance can be a more cost-effective way to protect yourself - especially when covering large, one-off financial needs like a mortgage.
How Linked Cover Works
If you make a successful TPD claim, the payout will reduce your Life cover by the same amount. This works well when you only need to be covered once for a major expense - like clearing a home loan - and want to avoid doubling up.
To be eligible, your TPD sum insured must be the same or less than your Life cover amount, but you can add a standalone TPD policy that is independent of your Life cover.
Restoring Your Life Cover After a TPD Claim
TPD Buy-Back
After a TPD claim on a linked policy, your Life cover is reduced. With the Buy-Back option, you can restore your Life cover to its original amount - usually 12 months later - for an additional premium.
Double TPD
This option fully reinstates your Life cover after a TPD claim, provided you survive the claimable event for a period of time - and in most cases, future Life cover premiums are waived while you remain totally and permanently disabled.
Both options provide extra flexibility and protection - but they do add cost and may not suit everyone.
You can use our comparison tool to explore how different insurers structure these options and find a setup that works for you.
Ready to compare TPD options?
Compare cover definitions, structure and premiums before you apply.
Real Australians Saving on TPD Insurance
At Keep Insurance Co, we help Australians find affordable life insurance without compromising on coverage.
With our 12.5% premium rebate, you pay less for the same cover.
What Our Customers Say
"I've managed to get half my commission back simply by using Keep Insurance. This is such a great idea, and so easy!"
- Melissa, Gold Coast
Frequently Asked Questions
How do I get a TPD insurance quote?
You can get a TPD insurance quote by providing details such as your age, occupation, health history, and desired cover amount. Quotes help estimate premium costs.
What affects the cost of TPD insurance?
TPD insurance premiums are influenced by factors including age, occupation risk, health, smoking status, and whether the policy is held inside or outside superannuation.
Can I compare TPD insurance policies?
Yes, comparing TPD insurance policies can help you understand differences in definitions, premiums, and benefits before choosing cover.
Can I get TPD insurance through super?
Yes, but only Any Occupation cover is available within super. For broader protection like Own Occupation, go outside super or explore superlink options. See our explanation here.
How much TPD cover should I have?
It depends on your debts, dependants, and income. Many aim for $500k-$1M. Use our
Is a medical required?
Most applications are fully underwritten and may require medical history or tests. But this does provide certainty at claim time, and underwritten products usually have better claims outcomes.
What if I work part-time or casually?
We can still help. Policies typically require you to work at least 20 hours per week, but there are products that are available to those who work fewer hours and even for retirees and homemakers
Can I claim TPD for mental illness?
Yes, mental health-related disability may be covered, depending on policy terms and underwriting.
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