Total and Permanent Disability

This is the big one. Something happens to you, you don’t die, but you can never work again. What now? First off dealing with all of the immediate costs that spring up, medical, rehabilitation, treatment programs. All very stressfull! and then, you still have to maintain the mortgage / rental payments. Of course you need to keep yourself going after that.

This coverage is a single lump sum payment policy, usually tax free, that is made in the event that something – anything – happens to you in the form of an accident, sickness or illness and you can never work again.