TPD pays a lump sum if injury or illness stops you working permanently. Compare how 9 Australian insurers define 'permanently'.
'Own occupation' vs 'any occupation' is the difference between a paid claim and a declined one. We explain the difference and compare across 9 insurers. No pushy sales.
- Own occupation vs any occupation - we explain the difference
- Pre-existing conditions specialist help
- Medical screening catches issues early
- Compare 9+ insurers for coverage options
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Free Guide: Workplace Safety Checklist
Download our safety checklist covering common TPD claim scenarios and what to look for in your policy.
Frequently Asked Questions
Everything you need to know about our process and how we can help you
How does the comparison work?
You fill out a 3-minute form, we compare quotes from 9+ Australian insurers, and you typically get a side-by-side comparison within minutes. It's general advice — we show you what's available and what it costs, so you can make an informed decision. Our commission is disclosed upfront in the Financial Services Guide, and you never pay us a cent.What happens after I submit the form?
Here's the process: (1) You complete the form, (2) We send you the FSG to acknowledge, (3) Quotes typically arrive within minutes, (4) You pick the option you like, (5) We send you a medical screening questionnaire, (6) We help prepare your application based on the results, (7) Application goes to the insurer. Simple as that.What's the medical screening about?
It's a health review that happens after you get quotes but before you formally apply. The point is to catch anything that might trip up your application — so we can help you prepare properly before the insurer sees it. Better to deal with health questions upfront than get surprised during underwriting.I have health issues — can I still get cover?
In most cases, yes. You need to disclose any health conditions (that's the law), but having a pre-existing condition doesn't automatically mean you can't get insured. Different insurers handle the same condition very differently — which is exactly why comparing across 9+ providers is so valuable. Our medical screening helps you prepare the right information before applying.Is this actually free?
Yes — 100% free. The quote comparison, the medical screening, the consultations — no cost to you at any point. We're paid a commission by the insurer you end up choosing, and that's disclosed upfront in our Financial Services Guide before we even start. No hidden fees, no surprises.How long does it all take?
Quotes typically arrive within 2-5 minutes of completing the form. The medical screening takes about 24 hours. After that, Torben will call to discuss your options. The timeline for formal application depends on the insurer and how complex your case is — straightforward cases can be approved quickly, while applications involving health conditions may take a few weeks for underwriting.
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The information on this page is general advice only and does not take into account your individual objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs. Please read the relevant Product Disclosure Statement (PDS) before making a decision.
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