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Total and Permanent Disablement Insurance

Talk to an Adviser about Total and Permanent Disablement Insurance. They can:

Find the best products for your budget and needs

Provide customised advice and keep your insurance up-to-date

Be impartial, as they are not Asteron Life employees

What is Total and Permanent Disablement Insurance?

Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury. 

Most people use Total and Permanent Insurance for:

  • Paying for their spouse or another family member to take  time off work which allows them to provide extra help and support
  • Making lifestyle changes e.g. where they live, modifying their home, clearing debt such as credit card, personal loans, mortgage
  • Paying for additional costs such as travelling to medical appointments or additional childcare
  • Paying off the mortgage or other debt
  • Putting towards everyday living expenses as their income often reduces


Total and Permanent Disablement Insurance benefits

Total and permanent disablement cover

Pays a lump sum if you become permanently disabled, including if you can’t return to work because of sickness or injury.

Single loss of limb or eye

Pays 25% of your cover if you lose a limb or an eye.

Financial planning

We will pay for your family to receive professional advice from an approved financial planner. This helps your family decide the best way to use the money they will receive.

Grief support

We will pay to help with the cost of professional grief support during the grieving process.

Total and permanent disablement fast track

For some medical conditions, we pay out quicker so you can get immediate care.

Optional benefits you can choose to include:

If you have an existing policy with Asteron Life, your policy may be different from our current on-sale products, so it’s a good idea to check things with your adviser.

There are terms and conditions that apply to all benefits within Total and Permanent Disablement Insurance. Don't worry though, your adviser can take you through these and what they mean.

Other types of cover

Income Protection can provide a monthly income to help with living expenses if you’re unable to work due to sickness or injury.  


Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.

Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!

As a national level and competitive sportsperson, Nick's injury lead to some challenging times. Read about Nick's firsthand experience with Income Protection.

Ready to speak to an adviser?

If you would like to know more about Total and Permanent Disablement Insurance we can put you in touch with an adviser who can explain the different options available.

Speak to an Adviser

Frequently asked questions

Does this pay me a regular income if I am unable to work?

This type of insurance gives you a one off lump sum payment if you permanently can’t work. If you’re after a regular income you should take a look at Income Protection.  This can pay you a portion of your income each month until you can return to work.