Zurich TPD Insurance

Total and Permanent Disability Insurance

Zurich Life Insurance products are all offered under their Wealth Protection Plan. Please refer to the Product Disclosure Statement for further detail.

Over view

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

Zurich contact number – 131 551

Zurich Product Disclosure Statement – PDS

Zurich website – www.zurich.com.au

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