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Total Permanent Disability Insurance without the guesswork.
Call 0418 166 122You speak with Shahid Mohammad, principal broker, 24+ years. A licensed Australian broker, not a call centre.
- 10 years advising Australians
- Steadfast network access
- Licensed Australian brokers
Compare total permanent disability insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
By requesting a quote you accept our financial services guide and privacy policy. General information only.
10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
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We make total permanent disability insurance fast and easy at Insurance Time. Get a quote today.
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Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in total permanent disability insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your total permanent disability insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.
24+ years of Shahid Mohammad's insurance experience
PDS/TMD terms checked before decisions
Phone first direct Shahid Mohammad contact path
Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
TPD review
Keep the first step simple and privacy-conscious.
Definitions
Discuss own-occupation, any-occupation, and related definitions only through reviewed advice material.
Personal context
Move detailed health, financial, and occupation information into the appropriate secure process.
Policy terms
Review exclusions, waiting periods, ownership, premiums, and underwriting requirements carefully.
What it responds to
Cover aimed at permanently not being able to work.
TPD cover generally pays a lump sum if you become totally and permanently disabled, and the definition of that is the single most important thing to understand.
A lump sum, not income
It is usually discussed as a one-off payment on permanent disablement, which is a different job to income protection's ongoing payments.
The definition matters most
Own-occupation and any-occupation definitions can produce very different outcomes, so the wording deserves real attention.
Often held in super
TPD is frequently held inside superannuation, which affects tax, ownership, and how claims work, and is worth checking.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
What is TPD insurance?
Cover that generally pays a lump sum if you become totally and permanently disabled and cannot work. What qualifies depends heavily on the definition in the policy wording, PDS and TMD.
What is the difference between own and any occupation?
Own-occupation assesses whether you can do your own job; any-occupation assesses any suitable job, which is harder to meet. Which applies to you materially affects a claim.
How is TPD different from income protection?
TPD pays a lump sum for permanent disablement; income protection pays ongoing amounts while you cannot work. Many people look at both, and they answer different questions.
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Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about total permanent disability insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.