Total and Permanent Disability (TPD) Insurance will provide you with a lump sum should you, as a consequence of becoming totally and permanently disabled, be unable to work.
TPD Insurance is designed to provide long term financial support that would be needed to finance any lifestyle adjustments or ongoing medical costs, which may arise from becoming totally and permanently disabled. TPD Insurance ensures that even though you are no longer able to work in the same capacity as you could previously, the lifestyle and wealth you have created can be maintained.
Professionals Choice offers a Split TPD option, which allows you to apply for TPD cover both in and out of the Superannuation environment. This allows you to reduce your out of pocket TPD premium costs.
products designed for
Members share in
Members share in the profits
that the PPS Mutual
benefits & features
we’ll automatically pass on
policy enhancements when
they don’t increase your
Enhancements are passed back
Our philosophy is to keep our benefits current. Hence, we’ll enhance the Professionals Choice product to reflect changes in society and medical enhancements.
Where enhancements do not result in an increase to your premium rates, we’ll automatically pass them onto you. If the enhancement does result in a premium increase, you will be given the option to apply for the enhancement with a related increase to your premium.
Your insurance is guaranteed renewable each year until expiry
As long as you pay your premiums we’ll continue to insure you with the same or enhanced terms and conditions until expiry. This applies even if you suffer changes to your health, you change occupations (including to non-professional occupations) or you take up different pastimes.
Your insurance covers you wherever you are in the world.
Increase your insurance without providing medical evidence
With our Future Increases Benefit and Business Increases Option your insurance cover can keep pace with your changing life, as they allow you to increase your insurance after certain life, professional and business events without the need to provide information about your health.
You can only join PPS Mutual via one of our Accredited Advisers – an exclusive group of professional Advisers who are licenced to give advice under their own Australian Financial Services Licence or Licencee and fully comply with our strict accreditation rules for the PPS Mutual Professionals Choice product.
Every Accredited Adviser receives formal product training by PPS Mutual in order to ensure that they are fully equipped to give you all the advice and guidance you may need.
Before applying for Insurance with a PPS Mutual Accredited Adviser, please remember that PPS Mutual membership is reserved for professionals who meet our eligibility criteria.
Call us on 1300 401 436
or use the Quick Enquiry form and
we will help you find a PPS Mutual