Total and Permanent Disability (TPD) Insurance:

Life is not always a straight line. As much as we try to control our own lives (and sometimes the lives of our children), most of the time we are just passengers on a course driven by fate. Total and permanent disability insurance or TPD insurance is about providing you and your family with a level of financial security should you fall ill or become injured and are rendered unable to work. A Sydney Financial Planner can help you decide whether this is something that you and your family should consider as part of your wealth protection strategy.

Total and permanent disability (TPD) insurance is designed to help you when you are rendered unable to work due to illness or injury. You will generally be paid a specified lump sum payment (although depending on the policy it may be broken up into smaller payments) which can be but is not limited to covering the repayment of debts, medical expenses and other ongoing costs of living.

Our Financial Advisors can help you determine:

• whether total and permanent disability is something you and your family need
• what level of cover you  require
• what options or extras should be included in your total and permanent disability insurance policy
• which products are suited to your situation
• whether you can access total and permanent disability insurance through your superannuation fund

If you are comfortable proceeding, our Financial Advisors can help you apply for a policy and, if so required, assist you to make any claim.

Feel free to contact our office to speak with one of our Financial Advisors about risk management and insurance today. For the convenience of our clients, our Sydney Financial Planners are dedicated to providing free home appointments. We service most suburbs across the Sydney metropolitan area, including Leichardt, Balmain, Darlinghurst, Paddington, Randwick and Kensington. Contact our office on (02) 9233 4048 to arrange an appointment.

Navado Financial Advisors Pty Ltd is a Corporate Authorised Representative of Lifespan Financial Planning. A.B.N. 23 065 921 735. AFSL 229892. This webpage (and any material or wording appearing on this webpage) is provided for information only and constitutes general financial product advice. It does not take into account your objectives, financial situation or needs and you should therefore consider the appropriateness of the advice, in light of your own objectives, financial situation or needs before acting on this webpage.  When making decisions about any financial products you should obtain a copy of and consider the Product Disclosure Statement for that product before making any decision. Navado accepts no responsibility to any person who relies on the information provided on this website. We further refer you to our Disclaimer.