Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury. Most people use Total and Permanent Insurance for:
Your sum assured will be calculated so that you can pay your current mortgage helping to safeguard you family’s future. The amount will be considered to cover the cost of ongoing medical treatment and possible modifications to your home or work environment and also to assist with the cost of a full-time caregiver to ensure you get the best available care.
You can increase your life cover without further medical evidence on the occurrence of certain events. These events include reaching certain ages, getting married, civil union, having children, taking out a mortgage, or death of a spouse, partner or child or stopping work to take full time physical care of a dependent relative, or your shareholding in a business increasing.
Special Events Increase benefit: You can increase your existing life cover whenever a special event occurs in your life, such as taking out a mortgage or getting a pay rise. You can do this at a later date without any medical underwriting. This is useful because the amount of insurance you need may change as you get older. See your policy document for more information on special events.
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