Personal Insurance

Total & Permanent Disability Insurance provides a lump sum payment if you become totally & permanently disabled.

Why do you need Total Disability Insurance?


  • If you can’t work again, you still need capital to survive.
  • You will likely have greater expenses.
  • You still need to make provision for retirement.
  • You want your family to maintain their lifestyle even if you can’t work. 


The process of selecting the right type, and level of TPD coverage can be quite complex. Considerations include:


  • The definition of “Total and Permanently Disabled”
  • Stand alone or as an option of a Life Insurance policy
  • Inside our Outside Superannuation


Decisions such as these can make a big difference in your ability to make a claim and get the benefit you expect in a timely fashion.

An experienced BHA advisor can help you choose the amount and type of disability insurance appropriate for your needs.

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