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