Total & Permanent Disability (TPD) Insurance

The value of Total & Permanent Disability Insurance.

Total and Permanent Disability (TPD) will provide you with a lump sum should you, as a consequence of becoming totally and permanently disabled, be unable to go back 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 the 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. 

Cover Through Superannuation

TPD Cover can be purchased through a Super Fund including through the PPS Mutual Super Fund that has been set up to allow payments by Rollover from your own super fund, this approach provides you with a 15% Rollover Rebate.


Waiver of waiting period for some conditions


We will waive the three-month waiting period requirement of your TPD insurance if you suffer from one of the specified medical conditions.

Partial & Permanent Disability Benefit


We will pay 25% of the TPD sum insured if you suffer partial loss of limbs or partial loss of sight.

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.

Worldwide Insurance


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.


Members of PPS Mutual will be entitled to a share in the profits of the Professionals Choice product. PPS Mutual Professionals Choice is the only product to offer this feature in the Australian Insurance market.

Indexation for Professionals

Being exclusively for professionals we are able to offer the option of having benefits increase in line with your salary, based on increases in our Professional Earnings Index or inflation, whichever is greater.

Professional Events

You can also increase your cover without having to provide further medical evidence when certain career events occur such as becoming a partner or starting in private practice

Flexible Premium Structure

A flexible premium structure provides for both a stepped and level premium structure for the one insurance type, allowing you to tailor your cover to benefit from the advantages of both premium structures

Change of Ownership

The plan ownership may be transferred at any time with no underwriting.

Cover through Superannuation

Provides the ability to structure Life, Total and Permanent Disability and Income Protection insurances through Superannuation. This provides the choice of paying your insurance premiums either with ordinary funds, with your Superannuation funds, or a combination of both.

Other cover options

Income Protection Select


Business Expenses