TPD INSURANCE
Total and Permanent Disability (TPD) Insurance
Provide financial support if illness or injury permanently affects your ability to work. Speak with a TPD insurance specialist today on 03 9191 8808.
What is TPD cover, and why is it important?
A permanent injury or illness that leaves you unable to work can have an unprecedented impact on you and your loved ones. Total and Permanent Disability (TPD) insurance is an important policy that can financially assist with medical bills and rehabilitation, offering a lump sum payment to alleviate some of the burden placed upon your shoulders.
While the policy broadly covers inability to work due to injury, illness and disability, insurers have varying definitions and options when it comes to a TPD benefit. At Panorama Financial Services, we assist in helping you determine your personal risk, as well as which coverage may be most appropriate for you.
Though not essential to day-to-day living, TPD is a smart choice when it comes to safeguarding your future. Acting as a financial safety net for you and your dependents, TPD is a crucial policy that offers the cover you may need further down the road, depending on your particular situation.
Types of TPD Cover
How our process works
1. Discovery
We take the time to understand your personal circumstances and medical history, as well as other potential factors that can influence TPD cover premiums.
2. Strategy & implementation
We provide clear, tailored advice on policies that help protect you and your dependents, while owning the entire application process.
3. Ongoing review & support
As time goes on, we review your cover to ensure it is still a good fit and that you’re not paying for a policy that is no longer applicable.
TDP Insurance
What makes Panorama Financial Services different?
At Panorama, we place your long-term financial security first. As a leading financial adviser, we use our extensive industry experience to determine the appropriate cover suited to your unique situation if you may become totally and permanently disabled. We can outline each relevant product disclosure statement and put applicable options before you, saving time, money and stress.
With over 40 years of combined industry experience, you can count on us to expertly guide you through the process and provide a streamlined experience, saving time, money and unnecessary stress.
However, our real point of difference lies in how we approach the claims process. We roll up our sleeves and advocate on your behalf to ensure you receive the payment you’re entitled to within your policy. Our advisers liaise with all relevant parties, including insurers, lawyers and doctors, taking the stress off your shoulders and allowing you to focus on seeking the appropriate help.
Meet the team
With over 40 years of combined experience, our industry-recognised professionals are here to ensure financial security and peace of mind for families, individuals and businesses.
Mark Crowe
Director
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Thuy Nguyen
Adviser
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Liana Bui
Service Manager
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Testimonials
Life is too short to be caught up in the paperwork. Let us help!
We’ll bring the conversation to you if you if you would prefer to meet you online. Let’s start the conversation to get to know you, where are you at now and can we help you with your insurance and superannuation solutions.
Have more questions?
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.
Case studies
Our case studies show how practical, tailored advice helps navigate complex financial and insurance decisions in real-world situations.
Sheen Panel Service
Sheen Panel Service is Victoria's leading smash repairer, operating 27 panel shops across the state as well as three…
Our Insurance Partners
We do all the hard work, running around talking with these insurance partners to come up with the best deal for you.
We are big believers in giving back
We love team sport. It teaches you so much about life and in many ways prepares you for business. Learning about goal setting, working as a team, working with other people, how to handle success and how to handle failure. Some of the charities community groups we give back to:
Frequently asked questions
Explore answers to some common questions about total and permanent disability insurance.
Total and Permanent Disability insurance provides a lump sum payment if you become permanently unable to work due to illness or injury. The benefit can help cover medical expenses, rehabilitation costs, debt repayments, and ongoing living expenses. It is designed to reduce financial pressure and support lifestyle adjustments when returning to employment is unlikely or impossible.
A TPD claim begins when you submit medical evidence confirming a permanent disability that meets your policy definition. The insurer assesses reports from treating doctors and may request additional information. If approved, a lump sum benefit is paid. The process can take time, so clear documentation and professional guidance help improve efficiency and reduce delays.
There are generally two main types of TPD policies: “own occupation” and “any occupation” cover. Own occupation pays if you cannot return to your specific job, while any occupation pays if you cannot work in any role suited to your education, training, or experience. The right option depends on employment type, budget, and needs. Speak with one of our friendly advisers to learn more about your options today.
Yes, TPD insurance can be held inside superannuation, and many Australians choose this structure. Premiums are deducted from your super balance, which can reduce out-of-pocket costs. However, super-based policies usually use an “any occupation” definition and must meet super release conditions before payment. It’s important to consider retirement impacts and seek advice before proceeding.
TPD insurance pays a lump sum if you become permanently disabled and unable to work again. Trauma insurance pays a benefit upon diagnosis of specified serious illnesses, such as cancer, heart attack, or stroke, even if you recover and return to work. Trauma supports treatment and recovery costs, while TPD addresses permanent loss of income. For more clarification, get in touch with one of our friendly advisers now.
TPD insurance provides a one-off lump sum if you are permanently unable to work due to illness or injury. Income protection insurance pays monthly benefits, typically up to 70 per cent of income, while you are temporarily unable to work. Income protection supports recovery and cash flow, whereas TPD is designed for permanent disability situations. Our skilled advisers can assist in explaining the intricacies of these policies in a simple, relevant way. Reach out to learn more today!
Life insurance pays a benefit if you pass away, helping protect your family financially. However, it does not provide support if you survive a serious illness or injury that permanently prevents you from working. TPD insurance complements life cover by offering financial protection if you live with a long-term disability. Our friendly team can help strategise a policy that works for your unique circumstances, providing cover that assists you and your loved ones.
The appropriate level of TPD cover depends on your outstanding debts, ongoing living expenses, dependants and long-term financial commitments. Consideration should also be given to potential medical costs, rehabilitation, home modifications and the need to replace future income. The objective is to ensure financial obligations can be met if you are permanently unable to work. At Panorama Financial Services, we assess your full financial position and recommend a benefit level aligned with your circumstances and risk exposure.
Book a time
Seeking a TPD insurance policy is an important consideration for you and your family.
Get in touch with one of our friendly advisers to begin the conversation today.