Go toAIAHub
AIA
AIA products


Total Permanent Disablement (TPD) Insurance

TPD insurance will help look after your client and the people that matter most to them, if they become totally permanently disabled and are unable to work as a result of an accident or illness. Along with a lump sum payment, your client can be supported by our experienced team to work through adapting to their new world.

Our TPD insurance options

Your client can choose either Own Occupation or Any Occupation. This can also be taken out for Personal or Business purposes.

Own Occupation

This option is for when it becomes unlikely that your client will ever be able to work in the specific occupation they were involved in immediately prior to their incapacitation.

Any Occupation (for which your client is suitably qualified)

This option is for when it is unlikely your client will be ever able to return to any work that is reasonably suited to them.

Key benefits for your clients

  • Lump Sum Payment

    Provides a lump sum payment to help cover costs such as medical treatments, employing a caregiver or ongoing household expenses

  • Home Modification Help

    They could access up to $15,000 to help modify their home or vehicle, or buy specialist medical equipment to help adjust to their new circumstances

  • Waiting Period Waived

    If we can immediately assess that the disablement is total and permanent, the three month waiting period could be waived

  • AIA Vitality

    Access to AIA Vitality, our science-backed health and wellbeing program

  • Future Proof Products

    Access to our Enhancement Pass Back Benefit. Any improvements we make to our AIA products in the future are automatically applied to your client's policy, offering them even more at claim time.

  • Suspension of Cover Benefit

    AIA provide the flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions:

    • Take parental leave
    • Take leave without pay for any reason
    • Get made redundant
    • Become unemployed
    • Experience at least a 20% reduction in pay
    • If self-employed, experience a 30% reduction in revenue

    No benefits will be payable for any claim event which occurs during this suspension period.


Total Permanent Disability Insurance

At a glance

Please note the following tables are a guide only. Please refer to our brochures and policy wordings for further information.
Eligible ages minimum

16
Eligible ages maximum

55 (Class: 3, 13, 23, 4, 14, 24)

60 (Class: 1, 11, 23, 2, 12, 22)
Eligible occupations

Both 'Any' or 'Own' occupation benefits are available for classes 1-4. Some hazardous occupations are uninsurable. To confirm eligibility please contact an AIA underwriter.
Term of cover / Benefit expiry

To age 65

To age 70 (selected occupations)
Premium rate guarantee

1 year
Premium type

Rate for age:

10 years

To age 65
Benefit type

Lump Sum
Cover (Sum assured) options

Level cover

Inflation cover (CPI linked)
Maximum sum assured

up to $5,000,000
The information on this page is provided as a sales support tool to be used in conjunction with the appropriate customer brochure and product policy wording.
Eligible ages minimum

16
Eligible ages maximum

55 (Class: 3, 13, 23, 4, 14, 24)

60 (Class: 1, 11, 21, 2, 12, 22)
Eligible occupations

Both 'Any' or 'Own' occupation benefits are available for classes 1-4. Some hazardous occupations are uninsurable. To confirm eligibility please contact an AIA underwriter.
Term of cover / benefit expiry

To age 65

To age 70 (selected occupations)
Premium rate guarantee

1 year
Premium type

Rate for age:

10 years

To age 65
Benefit type

Lump Sum
Cover (Sum assured) options

Level cover

Inflation cover (CPI linked)
Maximum sum assured

up to $5,000,000
The information on this page is provided as a sales support tool to be used in conjunction with the appropriate customer brochure and product policy wording.