Total and permanent disablement

Protect your future and the future of your
loved ones

Total and permanent disablement (TPD) cover provides you with a lump sum payment if you become disabled and you are unable to ever work again.

Having a financial safety net in the event of disability can help ensure that you and your family are provided for during this difficult time.

TPD cover may suit you if:

  • you want financial security for you and your loved ones if you become disabled and you’re unable to work again
  • you’re looking for a flexible insurance product you can tailor to suit your individual needs.
     

Here’s what you get:

  • a lump sum payment which can be applied as you like, such as to help with your medical costs and living expenses 
  • peace of mind knowing that you and your loved ones will be supported if you become disabled and you are unable to work again.
     

How much insurance do
you need?

There are many factors that can affect the level of cover you need. Our calculator can help you work out how much cover you may need.

Find out now

Choose from our TPD products

Flexible Lifetime® – Protection

For more information about this product, download the product disclosure statement. Or if you have any questions or would like to apply, you can: 

  • call us on 131 267
    Monday to Friday 8.30am – 7pm (AEST)
  • contact your financial adviser.

AMP Elevate

For more information about this product, download the product disclosure statement. Or if you have any questions or would like to apply, you can:

  • call us on 131 267
    Monday to Friday 8.30am – 7pm (AEST)
  • contact your financial adviser.

How much you pay depends on:

  • your age
  • gender
  • smoking status
  • level of cover
  • the options you have selected.

You can get an individual premium quote from your financial adviser.
 

Feel secure—anywhere in the world

With AMP, you can feel safe knowing that you’re covered no matter where you are in the world, 24/7.   

If you become sick or injured outside Australia, we may ask for additional medical documents or examinations by a doctor we’ve chosen to support your claim. 

 

Realising your best life

We believe there is much more that can be done to help you during and after the claims process.

Our ultimate aim is to help you own your tomorrow, and we’ll be there to support you and your family every step of the way.
 

Saving World

Download our brochure to find out more about how TPD cover could help you if you were to become disabled.

And if you’re still unsure about the insurance you need, your financial adviser can help you assess your wealth protection needs and find the right insurance cover for you and your loved ones.
 

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How to apply

If you’re interested in getting Flexible Lifetime – Protection or Elevate TPD cover with AMP, we encourage you to speak with a financial adviser.

Your financial adviser can help you find a plan and insurance option to suit your needs.

Find an adviser

Learn more about how to make a claim

How much life insurance do you need?

Calculate

How does insurance work as a part of super?

Choose the right insurance for your needs

Find out more

Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement before deciding what’s right for you. This information hasn’t taken your circumstances into account. 

This information is provided by AMP Life Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice. 

The issuer of Flexible Lifetime – Protection is AMP Life Limited. The issuer of AMP Elevate insurance is The National Mutual Life Association of Australasia Limited. Flexible Lifetime is a registered trademark of AMP Life Limited.