Total & Permanent Disablement
OneCare offers four types of TPD cover, and your choice of policy will dictate how much your premiums are and the circumstances in which you can make a claim. 'Any occupation' and 'own occupation' TPD insurance offer you cover which is linked to your ability to earn income after your accident or illness. If you need to make a claim under your 'home-maker' or 'non-working' TPD cover you will be assessed on the extent of your disability and whether you can still perform the normal activities of living.
You can also take out TPD cover through your business if you are self employed or are one of the owners of a small company or partnership. OneCare Business TPD cover is a form of key person insurance which allows you to protect your business against the long term financial implications of losing the income you generate for it.
OneCare own occupation, any occupation and home-maker TPD cover will expire once you reach age 65, but you may be able to convert your policy into non-working TPD insurance which offers cover until age 100.
For full details of the OneCare range of life insurance products you can download the Product Disclosure Statement here.
Contact a 1300 Life Insurance Advisor Today
1300 Life insurance have access to the full range of Life Insurance available from all Australian life insurance companies. Our advisors use sophisticated analysis to evaluate the features and benefits of each product against your own needs. Our duty of care is to always act in your best interest. We will:
- Assess your needs
- Make an unbiased recommendation
- Provide you with a written statement of advice
- Ensure your cover is properly implemented
If your interested in Life Insurance, please complete an enquiry form and our advisers can get in touch with you. Alternatively you can also phone 1300 543 346 during business hours.
