Total Permanent Disability (TPD) insurance is additional cover which can be added to a term life insurance policy or taken as a separate stand alone product. It provides a lump sum in the event that the insured person suffers total & permanent disability.
The below premiums are the indicative premiums for a non-smoker in an office position with stand alone own occupation TPD.
| Age | Level of cover | Monthly Premium | |
| Male | Female | ||
| 20 yrs | $250,000 | $21 | $19 |
| $500,000 | $31 | $24 | |
| $750,000 | $43 | $34 | |
| $1,000,000 | $53 | $41 | |
| 30 yrs | $250,000 | $21 | $20 |
| $500,000 | $31 | $30 | |
| $750,000 | $42 | $42 | |
| $1,000,000 | $51 | $51 | |
| 40 yrs | $250,000 | $27 | $27 |
| $500,000 | $43 | $43 | |
| $750,000 | $62 | $62 | |
| $1,000,000 | $75 | $75 | |
| 50 yrs | $250,000 | $80 | $80 |
| $500,000 | $143 | $141 | |
| $750,000 | $200 | $196 | |
| $1,000,000 | $264 | $261 | |
| 60 yrs | $250,000 | $388 | $369 |
| $500,000 | $691 | $767 | |
| $750,000 | $1,003 | $1,008 | |
| $1,000,000 | $1,237 | $1,244 | |