What is “Total and Permanent Disability”?

“Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Why do I need critical illness cover?
1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
Why do you need to consider a new Critical Illness policy if you already have one?
Because older policies were often limited in the illnesses they covered; your own circumstances may have changed; you may now need to increase the sum insured.
Is there a waiting period to receive payment on a Critical Illness claim?
All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
How long should you insure for?
20 to 25 years is most common but it really depends on how much you can afford and your personal circumstances.
What information do you need to provide to apply for a Critical Illness policy?
The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.
Most Critical Illness policies will insure you for Total and Permanent Disability.

Before an insurance company will pay out under their “Total and Permanent Disability” provisions, they need to know that you are too ill to work again. Therefore, the insurer will almost certainly require you to have a medical examination.

Frequently Asked Questions related to the above topic.
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