Aspect Online Total & Permanent Disablement Insurance

Aspect Underwriting offers free Total and Permanent Disablement (TPD) insurance quote online in Australia. We allow you to get customised TPD insurance quote and purchase it online within hours – without making any calls or coming in for a discussion.

Aspect Total and Permanent Disability insurance cover pays you a lump sum amount if you suffer a severe illness or injury that leaves you unable to return to work on a permanent basis. Most of the time, you will need to go through a long-winded process in order to get TPD insurance quote and purchase it, but with Aspect you can get a quote and buy the cover, completely online. 

Aspect Underwriting is a specialist Health & Accident insurance underwriter in Melbourne with over 40 years of collective experience and specialisation in the field. Based on its experience in the field, the Aspect TPD insurance online cover builder provides you with bespoke cover within minutes from anywhere in Australia.

Regardless of the type of job you have, whether it be blue-collar or white-collar industries or anything in between, our Total and Permanent Disability insurance covers it all. Backed by Lloyd’s, the world’s specialist insurance market, you can purchase this thoroughly researched TPD insurance cover standalone or combine it with Income Protection Insurance, Critical Illness (Trauma) Insurance and/or Accidental Death Insurance.

Get a quick customised Total and Permanent Disability Insurance quote now and start planning for your future with the experts.

What Is TPD Insurance & Why Should You Have One?

What is Total & Permanent Disablement (TPD) Insurance?

TPD is an insurance product that can pay you a lump sum amount, if you suffer a serious illness or injury which leaves you unable to return to work on a permanent basis.

Often purchased in addition to Income Protection cover, the sum insured needs to take into account your permanent inability to earn an income from working. A good way of calculating the sum insured is to think in terms of a multiple of your income. For example, ten times your income should effectively provide you with 10+ years of your current income to live off.

So, while Income Protection can be viewed as the shorter-term solution to get you back on your feet while hopefully reaching full recovery, TPD is the long-term solution for a permanent disability.

Why Should You Have TPD?

When deciding if you should have total and permanent disability insurance or not, think about the expenses you would have to cover if you were suddenly unable to work on a permanent basis ever again.

Here are some of the expense that you may have to cover:

  • Living expenses for you and your family
  • Repaying debts and mortgages
  • Providing an education for your children
  • Medical costs
  • Rehabilitation costs and modifications to your home (e.g. wheelchair access)

Now suppose that you are unable to work permanently, would you be able to manage all these expenses with no income? Be smart, and act today to secure your family and yourself, a safety net for whatever life throws at you.

Occupations Covered by Aspect TPD Insurance

Aspect TPD cover is available for a wide range of occupations – Whether you work in a white-collar job or a blue-collar occupation, we cover the majority of occupations including more hazardous occupations.

Our intelligent and completely online TPD insurance cover builder provides you a quote based on your occupation and lifestyle needs. Even if you are a homemaker, who is not paid from an employer, Aspect TPD will cover you.

Aspect’s TPD benefits are paid to you based on either your:

  • inability to perform your occupational duties permanently, in either your chosen field or any field of occupation;
  • inability toperform home duties; or
  • loss of independent existence.

Check out our product disclosure statement for further details and exclusions. The policy is subject to standard exclusions.

Additional Benefits Bundle

As a specialist Accident & Health insurance underwriter, we provide customised total & permanent disablement insurance cover that can be tailored to your specific needs.

For detailed information about these benefits please click here.

Aspect TPD Online Cover Builder

Aspect Underwriting provides you with the ability to custom design your cover using our completely online intelligent Total and Permanent Disability cover builder, where you can get a Free TPD insurance quote, purchase it online without even visiting or calling us.

This experience is seamless, and the system gives you the flexibility and resources to build a total and permanent disability insurance cover that is best suited to your needs.

Our system is flexible and allows you to add additional covers to your Aspect Total and Permanent Disability (TPD) policy including – Income Protection Cover, Accidental Death Cover, and Trauma Cover. If you require human assistance, we are available online anytime or you can schedule to meet us in person.

What is the Aspect TPD Claim Process?

Just like our online TPD cover issuance process, our TPD claim process is also simple and hassle free. To claim your TPD cover, all you have to do is download the claim form, print it, fill in the details and send it to the address below.

Please note, some information on the form is to be filled by your employer/accountant and your doctor. Once you have gathered the required information, mail it to our claim’s management centre.

Aspect Underwriting Claims Centre
PO Box 14
Brisbane, QLD 4556

As soon as we receive your claim, we will get back to you. Click here for more information on Aspect total and permanent disability claim process.

  • What is Total & Permanent Disablement (TPD) Insurance?

    TPD is an insurance product that can pay you a lump sum amount, if you suffer a serious illness or injury which leaves you unable to return to work on a permanent basis.

    Often purchased in addition to Income Protection cover, the sum insured needs to take into account your permanent inability to earn an income from working. A good way of calculating the sum insured is to think in terms of a multiple of your income. For example, ten times your income should effectively provide you with 10+ years of your current income to live off.

    So, while Income Protection can be viewed as the shorter-term solution to get you back on your feet while hopefully reaching full recovery, TPD is the long-term solution for a permanent disability.

    Why Should You Have TPD?

    When deciding if you should have total and permanent disability insurance or not, think about the expenses you would have to cover if you were suddenly unable to work on a permanent basis ever again.

    Here are some of the expense that you may have to cover:

    • Living expenses for you and your family
    • Repaying debts and mortgages
    • Providing an education for your children
    • Medical costs
    • Rehabilitation costs and modifications to your home (e.g. wheelchair access)

    Now suppose that you are unable to work permanently, would you be able to manage all these expenses with no income? Be smart, and act today to secure your family and yourself, a safety net for whatever life throws at you.

    Occupations Covered by Aspect TPD Insurance

    Aspect TPD cover is available for a wide range of occupations – Whether you work in a white-collar job or a blue-collar occupation, we cover the majority of occupations including more hazardous occupations.

    Our intelligent and completely online TPD insurance cover builder provides you a quote based on your occupation and lifestyle needs. Even if you are a homemaker, who is not paid from an employer, Aspect TPD will cover you.

    Aspect’s TPD benefits are paid to you based on either your:

    • inability to perform your occupational duties permanently, in either your chosen field or any field of occupation;
    • inability toperform home duties; or
    • loss of independent existence.

    Check out our product disclosure statement for further details and exclusions. The policy is subject to standard exclusions.

    Additional Benefits Bundle

    As a specialist Accident & Health insurance underwriter, we provide customised total & permanent disablement insurance cover that can be tailored to your specific needs.

    For detailed information about these benefits please click here.

    Aspect TPD Online Cover Builder

    Aspect Underwriting provides you with the ability to custom design your cover using our completely online intelligent Total and Permanent Disability cover builder, where you can get a Free TPD insurance quote, purchase it online without even visiting or calling us.

    This experience is seamless, and the system gives you the flexibility and resources to build a total and permanent disability insurance cover that is best suited to your needs.

    Our system is flexible and allows you to add additional covers to your Aspect Total and Permanent Disability (TPD) policy including – Income Protection Cover, Accidental Death Cover, and Trauma Cover. If you require human assistance, we are available online anytime or you can schedule to meet us in person.

    What is the Aspect TPD Claim Process?

    Just like our online TPD cover issuance process, our TPD claim process is also simple and hassle free. To claim your TPD cover, all you have to do is download the claim form, print it, fill in the details and send it to the address below.

    Please note, some information on the form is to be filled by your employer/accountant and your doctor. Once you have gathered the required information, mail it to our claim’s management centre.

    Aspect Underwriting Claims Centre
    PO Box 14
    Brisbane, QLD 4556

    As soon as we receive your claim, we will get back to you. Click here for more information on Aspect total and permanent disability claim process.