Financial support for when it matters most
TPD Insurance provides a lump sum financial benefit if you cannot work due to a severe illness or injury. This insurance cover is designed to ease the burden during difficult times, offering support for rehabilitation, debt payments, and ongoing living costs. Similarly, Death Insurance (commonly known as Life Insurance) ensures that your loved ones are supported financially in the event of your passing, with a lump sum payment to your beneficiaries. Understanding the insurance policy and its benefits can help you prepare for the unexpected and protect those who matter most.
The essence of TPD coverage
The unpredictability of life highlights the importance of TPD insurance. It's crafted to offer you and your family financial stability if you become unable to return to work due to permanent injury or illness.
If you're asking 'how much TPD insurance do I need?', it's important to consider your current expenses, debts, and future financial goals. By planning ahead and choosing the right level of total and permanent disability insurance for you, you can gain confidence knowing that even in the face of life’s challenges, you’ve taken steps to protect what matters most.
Who Should Consider Death & TPD Insurance?
Death and TPD insurance is valuable for anyone who wants to protect their family and financial future in the event of serious illness, injury, or loss of life. It’s especially important for those with dependents, mortgages, or ongoing financial commitments. Whether you're the main income earner, self-employed, or simply want added peace of mind, this cover may help ensure your loved ones are supported and your expenses are managed.
Comprehensive coverage details
Where eligible, TPD Insurance kicks in to provide a lump sum payment when you are unable to work due to illness or injury and meet the relevant policy criteria. Your eligibility for TPD insurance depends on specific conditions outlined in the Insurance policy.
For a detailed understanding of your coverage and to make informed decisions about your insurance needs, please read your Product Disclosure Statement.
Remember, if the unexpected happens, understanding the TPD claim process can make a real difference in how quickly you receive support. Total and permanent disability insurance is a long-term financial safety net that can help protect your future, especially if you have dependents or significant financial responsibilities.
Contact us today to discuss Death and TPD insurance as well as Salary Continuance Cover to find the best protection for your situation.
Frequently Asked Questions
We've answered some of your most Frequently Asked Questions below.
Death Cover through super is life insurance that provides a lump-sum benefit to help with ongoing expenses and one-off costs your family may face in the event of your death or terminal illness. Death Cover is not the same as Funeral Insurance.
Total and permanent Disability (TPD) cover is designed to relieve financial pressure if you suffer an illness or injury that leaves you totally and permanently disabled and unable to return to work. It is generally a lump sum benefit paid out to eliminate debts, pay for medical expenses, or fund permanent lifestyle changes.
Unitised Cover provides insurance in ‘units’ where the value of each unit is determined by your age. Your amount of cover and the insurance fees you pay will change as you age.
Fixed Cover means the amount of cover you choose is fixed and does not change as you age. However, the insurance fee you pay will increase as you age. The insurance fee for Fixed Cover also depends on your gender and the amount of coverage obtained.
- Death – no maximum applies.
- TPD – up to a maximum of $3 million; and
- Terminal illness – limited to $2 million (provided Death cover of at least that amount is held).
The cost of your insurance depends on your age, gender (in some cases), how much insurance you have, and the type of coverage. The insurance fee will be deducted from your account monthly in arrears.
Some members are eligible to automatically be provided with default cover for Death and TPD without underwriting. Read more here about eligibility, levels, and costs of default insurance cover.
Need more information?
Refer to the Insurance section of the Employer Sponsored & Personal Super Additional Information document.
Disclaimer
The information on this page is of a general nature and does not take into account your objectives, financial situation, or needs. Before deciding if legalsuper suits you, please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD). We encourage you to obtain personal advice from a licensed financial adviser before deciding based on this website. legalsuper handles information through its Privacy Policy. The relevant PDS, TMD, and Privacy Policy are available on this website. Past performance is not a guide to future performance. Legal Super Pty Ltd ABN 37 004 455 789 AFSL 246315 as the Trustee for legalsuper ABN 60 346 078 879.© Copyright 2025 Legal Super Pty Ltd. All rights reserved.