Our Services




Total and Permanent Disability Insurance (TPD)

Just as Life Insurance is designed to provide an income stream for your family in the unexpected event of your passing, and just as Income Protection is designed to provide an replacement income stream directly for you in the event you get sick or lose your job, Total and Permanent Disability Insurance (TPD) is designed to provide for you in the event of serious, permanent injury.

The difference between TPD and regular Income Insurance is that Income Insurance is a short-term payment typically paid as a monthly regular benefit, whereas TPD provides a large fixed amount with the expectation that you won’t be able to return to work.

That is, TPD provides an agreed “lump sum” payment should you be classified as being permanently disabled and never likely to perform:

  • your usual occupation; or
  • an occupation for which you are qualified by reason of education, training and experience; or
  • any occupation


Different insurers go by different definitions of what it means to be totally and permanently disabled.

Generally, the more generous the definition, the more expensive the cover.

TPD can help cover all your basic needs and the needs of your dependents, such as rent and food, as well as costs that might be associated with medical treatment, and having to arrange for a carer or nursing support.

There is a waiting period before payment is made which varies between insurers but is typically classified as being 6 months.

Benefits are generally considered tax free, but this may not always be the case depending on ownership of the policy. (You should consult your Accountant for formal confirmation.)

TPD insurance may be especially important if you work in an occupation where people are at a higher risk of injury or disability. However, TPD insurance isn’t just for higher risk occupations and can provide security to people of all ages and all job types.

Like other kinds of insurance, the application process will have a screening process based on a variety of factors, such as past medical history. Pre-existing conditions are not covered. 

Just like Life Insurance and Income Protection, there are many insurance products available in this space and so it’s important to know what exclusions apply to your policy.

To get straightforward advice and find the best coverage that’s right for you without paying more for premiums than you need, speak to a CorpSure advisor for an obligation-free confidential discussion.

Have a question? We'd love to hear from you!

Have a question?
We'd love to hear from you!

Why we do what we do


“The team at CorpSure made sure I received the best cover for the best price. They were efficient, professional and have an exceptionally high level of industry specific knowledge. I would absolutely recommend them for any of your commercial insurance needs.”

Jenna McIntyre

“Justin at CorpSure has been doing my business insurance for 2 years. In business you need good people around you (they aren’t easy to find!), after my first discussion with Justin about my needs he ticked all the boxes. Its often the small things that count, Justin recently talked me through an insurance matter as I needed to know how it could play out. It wasn’t just the advice that left a good impression, it was the fact there was somebody who was able to take my call and resolve my issue as fast as it had presented.”

Matthew Hicks

“I operate a large Property Management company in Brisbane and Ben Roberts from CorpSure is my go-to guy for all our Landlord clients’ insurance needs. Ben is professional, helpful, and nothing is a problem for him. Ben has saved each of our clients hundreds of dollars with their insurance packages and they all speak positively about his service and product. Ben has also set our company up with a great Professional Insurance package. We feel fortunate to have found Ben and look forward to continuing our relationship well into the future.”