Elevate Total and permanent disablement insurance (TPD)

Our TPD insurance gives you and your clients control over their cover, so it best suits their unique circumstances.

There's flexibility in how Resolution Life's TPD cover works with your clients as their lives change, including a new Future Insurability person event and a new premium and cover pause benefit.

•   Premium and Cover Pause Benefit: This benefit allows your client to suspend all benefits under your policy and premiums associated with them for 3, 6 or 12 months.
•   Partial TPD Benefit: We’ll pay 25% of the sum insured if your client suffers permanent loss of use of one hand or foot and sight in one eye. Not available if your clients TPD insurance is through superannuation.
•   Day One TPD Benefit: We’ll waive the requirement to be unable to work for three months if your client suffers from a specific medical condition, as defined in the policy.
•   Life Buy Back Benefit: 12 months after a full TPD Benefit is paid, your client may buy that amount of cover back as a life insurance plan without having to provide health evidence. Only available if your clients TPD insurance is linked to a life insurance plan.
•   Automatic Inflation Benefit: Your clients monthly benefit is automatically increased by greater of the Consumer Price Index (CPI) or 5% unless we are advised that your client don’t want this increase. 
•   Death Benefit: We’ll pay $10,000 if your client dies and doesn’t have any life insurance cover with us.
•   Future Insurability Benefit: Your client can increase the sum insured for specific life-events without having to provide health evidence.
•   Accommodation Benefit: If we’ve paid the full TPD Benefit and you’re confined to bed and require a family member to stay with your client, we’ll pay up to $250 per day for up to 14 days to help with accommodation costs. Not available if your TPD insurance is through superannuation.
•   Financial Planning Benefit: We’ll reimburse up to $2,000 for the cost of financial planning advice received within 12 months of us paying the full TPD Benefit. Not available if your TPD insurance is through superannuation.
•   Premium Freeze Benefit: This benefit allows your client to maintain thier current premium at the time the benefit is exercised, in exchange for a sum insured that reduces each year. Only available with variable age stepped premiums.