Why You Need It
Total & permanent disability cover provides a lump sum payment to the policy owner upon the life insured becoming totally and permanently incapacitated and unable to return to work through injury or illness.
The early death of an income earner can cause serious financial strain for loved ones left behind. However, the financial impact can be just as serious if the income earner becomes totally disabled and unable to work for the rest of their life. In some cases, the hardship experienced could be significant due to the ongoing costs of daily living and medical bills for the disabled person.