What We Do

Total Permanent Disability (TPD) Insurance Advice

  • F59D6216-8D78-4266-B427-712A122C1E4D 25+ Yrs Experience
  • 1719F8D5-2D7E-4476-AB29-3E9D04DFCB82 Holistic Approach to Wealth
    Creation & Wealth Protection
  • 4F988F01-B178-49C8-89D1-34A34DD16CB1 Providing Peace of Mind
  • A0A5B11B-7D99-433F-9CB1-8164A27434C1 Inspiring Lifestyle
    & Financial Freedom
About

TPD Insurance Advice

At Aspiri, we provide expert total permanent disability (TPD) insurance advice and will ensure that you have adequate TPD coverage.

Imagine if something unexpected happens to you and you can no longer work.

You’re still alive, so you don’t qualify for life insurance, but you still need to be able to pay your mortgage and bills. You may still have dependents who rely on your income.

Total permanent disability (TPD) insurance provides a lump sum payment in the event of a disability that leaves you unable to ever work again.
If you’re with a retail or industry superannuation fund, you’ll automatically receive TPD insurance. However, this policy will be your fund’s default policy, which may not be what’s best for your individual circumstances.

Book a free initial consultation with our professionals
Book Now
Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either your own occupation, or for any occupation. Cover for your own occupation applies if you’ve been disabled and can’t work in the job you were previously working in before your disability. This option is more expensive and is typically only available outside super. If you take out a TPD policy for any occupation, you are covered if you’re unable to ever work again in any job suited to your education, training, or experience. This cover is cheaper but has a higher threshold to claim.

At Aspiri, we’ll assess your individual circumstances and determine if your current coverage is adequate and, if not, we can find a policy, that is. If you’re comfortable that you have enough funds to cover any future costs of being disabled, then you may not require TPD insurance.

When you’re considering your TPD requirements, we’ll consider the expenses you’ll have to pay if you are permanently disabled and unable to work. These include medical and rehabilitation costs, debts, living expenses and retirement savings.

You should also consider short-term income protection measures in tandem with total and permanent disability cover to supplement the available funds for short periods. These measures can often be taken out on a stand-alone basis and would include such indefinite, recurrent income cover.

We’ll also look at what your trauma and income insurance covers, to ensure that we close any gaps.

Speak to us about how we can help with TPD

Ready to get started?
Fill out this form and we’ll be in touch
Prefer to chat to one of our professionals?
07 3363 5000

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

FAQ

Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
TESTIMONIALS
Hico Stars Blue

VIEW ALL

VIEW ALL
Hico Stars Blue
C & L Clapper

“We have been with Aspiri for many years and found that the advice provided has been very professional and in a courteous manner, with sound investment advice around our portfolio.”

C & L Clapper

I & G Vayro

“Since our first meeting with Aspiri more than 10 years ago, our confidence in the Aspiri team has never wavered. The expertise and the personalised advice and interaction they provide us, we feel very sure. Their advice has allowed us the luxury to pursue and now enjoy a lifestyle of our choosing. Thank you Aspiri team, you are all much appreciated.”

I & G Vayro

P. Ewing

“I’ve been with Aspiri for 10 years after having my own self -managed Super Fund since 1988 . Since I retired 5 years ago I have drawn an annual income of over $100k and the balance of my account is what it was on retirement. They must be doing something right.”

P. Ewing

D. Preston

“The Aspiri team have been looking after my financial security for eleven years. They have been extremely supportive, helping me plan my future. As a self-funded retiree, their advice gives me the reassurance that I can go onto my latter years secure in the knowledge that my finances will allow me an ongoing comfortable retirement. “

D. Preston

J & J Conn

“The team at Aspiri have been informative on a regular basis and in an accessible way that allows us as busy professionals with little knowledge of the financial world to feel empowered and confident that our wealth is being well cared for.”

J & J Conn

A. Stewart

“In the time I have been with Aspiri, I have found them to be very good at what they do – they are very efficient and reliable, able to explain financial matters in a clear and simple way as well as having empathy and understanding for my individual circumstance.”

A. Stewart

A. Lee

“I have been a client of the Aspiri team for over 10 years. I can thoroughly recommend the team at Aspiri for providing financial advice for me and my family and for always providing outstanding service with passion and enthusiasm!”

A. Lee

J & E Clancy

“Several years ago we chose Aspiri, to manage our investments. The team are extremely personable, informed and easily contactable. They adjust portfolios in a timely way, based upon shifts in global markets and the client’s goals. We recommend the client-focused Aspiri team, with confidence.”

J & E Clancy

EXPLORE AND LEARN
VIEW ALL
Buying an investment property: a step-by-step guideHow To Buy An Investment Property Apartment

Investing

Buying an investment property: a step-by-step guide

What is an ETF (Exchange Traded Fund)?Graph Showing An Etf

Investing

What is an ETF (Exchange Traded Fund)?

Pros and Cons of Self-Managed Super Funds (SMSF)Smsf Pros And Cons

Investing

Pros and Cons of Self-Managed Super Funds (SMSF)

How much money do you need to retire?How Much Money Do You Need To Retire

Investing

How much money do you need to retire?

Book a free initial consultation with our professionals
Book now
Logo
Book a Consultation 07 3363 5000
Book a free consultation today

Share This

Select your desired option below to share a direct link to this page.
Your friends or family will thank you later.