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Total and Permanent Disability

Safeguard your future with Total and Permanent Disability (TPD) cover. Designed specifically for the Australian market, TPD cover provides financial security in the event of a severe disability that prevents you from working.

Total and Permanent Disability Cover: Comprehensive Protection for Life

Total and Permanent Disability (TPD) cover provides financial protection in the event that you suffer a permanent disability that prevents you from ever working again. With TPD cover, you can have peace of mind knowing that you and your loved ones will be financially secure, even if the unexpected happens.

Protection

Applying for Total and Permanent Disability Cover

Applying for Total and Permanent Disability (TPD) cover is a simple and straightforward process. Our team of experts will guide you through each step to ensure you have the right coverage.

Assessment Process

Our team will guide you the process of deciding the correct levels of cover, as well as the application process. Taking all the hard work out of your hands.

Handling Claims

In the unfortunate event that you need to make a claim, our dedicated claims team will provide you with the support and assistance you need.

Peace of Mind

With TPD cover, you can have peace of mind knowing that you & your loved ones are financially protected in case of total & permanent disability.

How to get started

Follow these simple steps to book a consultation call and get started with protecting your future. Our team of experts will guide you through the process and ensure you have the coverage you need.

No Obligation Online Consultation

Schedule a consultation call with one of our experienced insurance advisers over Zoom

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Personalised Recommendations

Based on your unique needs, we’ll provide personalised insurance recommendations.

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Application & Underwriting

Our team will assist you with identifying an appropriate insurance solution and handle the application process and guide you through underwriting.

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Secure Your Livelihood with Extensive Insurance Protection

Income Protection Insurance provides you with financial stability during illness or injury, giving you peace of mind and allowing you to maintain your lifestyle.

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I couldn't be happier with the service provided by Safety Nest. They made the process of getting insurance easy and stress-free.

Zoe Goodhardt

Head Of Growth & Marketing, TAG

Secure Your Family's Financial Future

Book a no-obligation consultation at your convenience, and let us handle your insurance questions. Our advisors are here to guide you through every step of the process.

FAQs

Find answers to common questions about insurance consultations and policies.

What types of personal insurance does Safety Nest offer?

Safety Nest specialises in personal risk insurance, including life insurance, trauma insurance, total and permanent disability (TPD), income protection, child cover, buy/sell and key man insurance. Each policy is tailored to meet your unique needs and financial circumstances.

You can easily book a consultation by clicking the “Get Started” button on our website. Once you provide your details, our team will contact you to schedule a time that suits you, including after-hours and weekends.

Yes, the consultation is absolutely no-obligation and free of charge. We take this time to understand your financial situation and insurance needs before providing tailored recommendations.

 

If you have an existing policy, we can review it to ensure it still meets your current needs. Over time, coverage can become outdated or may no longer provide the level of protection required. We offer a no-obligation review to help you make sure your insurance is keeping up with your situation.

Our initial consultations usually take about 30 minutes depending on your needs. During this time, we’ll go over your financial situation, future goals.

The process typically takes around 10-14 business days from the initial consultation to policy activation, depending on how quickly the insurer completes underwriting. However, the timeline may vary based on the complexity of your situation.

The cost of risk insurance is influenced by various factors such as your age, health, lifestyle, and the coverage amount you need. Other considerations, like smoking, pre-existing medical conditions, and the specific type of policy, can also impact your premiums. To get an accurate estimate tailored to your needs, click the Start Now button for a personalised quote.

At Safety Nest, we don’t require payments for our consultations. Instead, we earn our compensation directly from the insurance provider if and when you choose a policy through us. This way, generally our guidance comes at no additional cost to you and there is no premium payable by you for the product or service subsequently purchased. In some situations, we may provide specialised advice for a separate fee, but any potential costs will always be fully disclosed in advance, ensuring complete transparency.

Please thoroughly read the following Financial Services Guide for more information about the commissions and rebates payable to us. We will provide specific information about the commission that we may receive upon the provision of advice following a consultation.

With over 10 years of experience in personal risk insurance, Safety Nest is fully accredited under Australian law and complies with all ASIC regulations. Our team has the appropriate licenses and qualifications to provide you with trusted, tailored advice.

Direct insurance often lacks the customisation and tailored advice needed for your unique financial situation. Individual advised insurance provides specialised recommendations, ensuring that you’re not over- or under-insured and that your policy adapts as your needs evolve.

Yes, your policy can be updated to reflect changes in your job or industry. Whether you’re moving to a new firm, starting your own business, or making a career shift, we’ll make sure your coverage adapts to your new role.

Yes, we offer flexible policies that can adapt as your life changes. Whether it’s a new job, family growth, or a significant financial change, we’ll work with you to adjust your coverage accordingly.

Insurance through superannuation is often basic and may not provide sufficient coverage tailored to your needs. Individualised insurance advice offers more comprehensive coverage and is tailored to protect you and your family as your financial situation evolves. Our expert Advisers will talk you through the right approach, and options about retaining, replacing, or topping up your superannuation cover.

Still have questions?

Contact us for more information or to book a consultation.