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
 

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The following might help you decide how much cover you need.
How much would you need to repay your mortgage, overdraft, loans or any credit card balances? The freedom that comes from being debt free does wonders for recovery
Is there a minimum or maximum amount of Critical Illness cover available?
When you get an quotation, the insurer providing the quotation has agreed in principle to insure you for the sum you have requested. Therefore, you do not need to worry about this issue.
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.
What is the difference between Critical Illness cover and Terminal Illness cover?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover. 1 in 5 men and 1 in 6 women suffer a critical illness before their usual retirement age.
Are You Allowed To Continue Working After A Critical Illness Claim?
Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
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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