Total & Permanent Disability (TPD) Insurance
TPD insurance can provide protection for you if you are permanently disabled as a result of an illness or injury.
What is TPD Insurance?
Should you have an illness or injury that leaves you permanently disabled, Total and Permanent Disability (TPD) Insurance may provide you with a lump sum payment that can help cover the cost of medical and rehab treatments, debt repayments or other costs of living, so you can go on making the most of your life.
Our life insurance partner TAL
TAL is our life insurance partner, one of Australia’s largest life insurers. With more than 150 years’ of experience, TAL is trusted by millions of Aussies and their families.
Key features and benefits
Total and permanent disability benefit
Get a quote online for cover up to $1.5 million, or for cover up to a maximum benefit of $3 million, call TAL on 1300 345 623.
Advanced payment benefit
Receive an advanced payment of 25% of the benefit amount ($500,000 maximum), if you suffer permanent loss of use of a single limb or eyesight in one eye. Not available when structured through superannuation.
Child’s Critical Illness benefit
Child’s Critical Illness benefit is included, which covers kids between 2 and 19 (at their next birthday) up to $10,000 if they suffer a specified critical illness event. Additional cover is available on application.
Guaranteed future insurability benefit
You can apply to increase your cover by up to $200,000 without providing additional health information, when a significant life event occurs, such as marriage, childbirth, home-buying.
Terms and conditions apply.
To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
Why TAL TPD Insurance
Flexible cover options
You can choose from a range of features and benefits to suit your needs.
More than 150 years’ experience
A trusted provider of Life, Total and Permanent Disability, Critical Illness and Income Protection insurance for over 150 years.
24/7 grief counselling
Access for you and your family to a dedicated support service.
$4.2 billion in claims paid in FY 2023/2024*
Helping more Australians with the moments that matter.
TAL rewards you for healthy living
TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life, Critical Illness and TPD insurance premiums, with TAL's Health Sense program.
Eligibility criteria and T&Cs apply. Discount calculated and applied by TAL. To find out more, visit the TAL website.
Getting started is simple
1. Explore cover options
Click the link below to explore TAL’s Accelerated Protection range of products.
2. Get a quote in minutes
You can get your indicative, no-obligation quote by entering your personal details, such as: date of birth, gender, occupation, income, smoking status and contact details and hit submit.
The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
3. Apply and secure your cover
Depending on the information provided in the quote form, you'll be able to either proceed online or continue the application via a callback from a TAL consultant.
Frequently asked questions
If you have an illness or injury that leaves you permanently disabled and unable to work, Total & Permanent Disability (TPD) Insurance provides you with a lump sum payment that can help fund the cost of medical and rehabilitation treatment costs, debt repayments and other costs of living.
What other insurance can I include in my Life Insurance plan?
TAL Accelerated Protection has a range of insurances you can include to build cover that’s just right for you.
Life Insurance
Pays a lump sum in the event of your passing or terminal illness which may support your family if you pass away.
Critical Illness or Trauma Insurance
Pays a lump sum if you become critically ill. The type of Critical Illness Insurance and any applicable options is stated in your Policy Schedule.
Income Protection Insurance
Provides you with recurring income to help you focus on recovery if you're unable to work due to sickness or injury.
Life insurance help & guides
Important information
*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products between 1 April 2023 and 31 March 2024.
^A maximum 15% Health Sense discount applies to lump sum premiums for non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection (IP)) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. More information is available on request from TAL.
For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only.
Any financial product advice provided on this website is of a general nature only and does not take into account your personal circumstances. St.George refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, St.George will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.
Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circumstances and needs. You can obtain the PDS and TMD from TAL’s website or by calling TAL on 1300 345 623.
By accessing TAL’s website, you will enter a third-party site not owned by St.George. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website.
If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.
St.George's Privacy Statement is available at stgeorge.com.au/privacy/privacy-statement or by calling 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.