Total & Permanent Disability - TPD
If you can't work and are unlikely to ever return to work again due to sickness or injury Total & Permanent Disability cover - TPD - will pay you a lump sum. If you add TPD cover onto your death cover you will have better protection than just death cover alone.
There are several definitions of TPD available:
Own Occupation - this is the most comprehensive definition available as it will pay if you are unable to do your own job. Most occupations qualify for this definition
Any Occupation - will pay if you are not working and unlikely to return to any job that you might be suited to by previous training, education or experience
Non Occupational - for certain 'high risk' occupations or people not working this definition will cover you if you are unable to perform some of the daily activities of living such as bathing, feeding yourself & mobility.