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Total and Permanent Disability

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Total and Permanent Disability is an added protection benefit often offered in Trauma and Life Insurance policies. Again, a lump sum benefit is paid if the insured is disabled as defined in the policy. Generally speaking it means that because of a sickness or injury the insured is unable to work in their own or any occupation for which they are suited by training, education or experience. They may be paid where they have a permanent loss such as eye sight, or they have been absent from work for a certain time (usually 6 months or more) due to accident/illness and subsequently will not be able to return to work.

TPD cover means you can at least protect against financial adversities as you adjust to a new way of life.

Fact: We are not immune.

For a 40 year old the risk of a coronary heart disease at some time in the future is 1 in 2 for men and 1 in 3 for women.4. 1 in 3 men and 1 in 4 women are expected to be directly affected by cancer before they are 75 years old.*

Want to find out more?

Taking out insurance is sound financial management. Wealth protection is as important as its creation, and much easier and quicker to achieve. For further information and an assessment of your own personal needs, contact Star Financial Services.

*Source: Cancer in Australia 2000 - Aust Inst of Health and Welfare A.A.C.R. 2003

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