Total and Permanent Disablement Insurance


Total and permanent disablement cover gives our clients the ability to maintain their families’ lifestyles in the event of disablement. The definition and application of total and permanent disablement varies from insurer to insurer. However, three general variations are always applied. Naturally, the more generous the benefit is, the more expensive the cover.


The three general variations relate to the insured’s inability to perform in the following areas due to disability:

• Their usual occupation

• An occupation for which they are qualified by reason of education, training and experience

• Any occupation

Again, advice is needed to find an appropriate level of sum insured so that our clients’ long-term goals and objectives aren’t destroyed by accident or illness.