When considering income protection insurance for Australia, it's essential to calculate how much coverage you really need. A common general guideline is to aim for 70% of your annual income. However, this is just a general recommendation. Your individual needs will ultimately affect the appropriate amount of coverage. Consider factors like your de

Total Permanent Impairment (TPD) is a legal term that describes a situation where an individual experiences a severe injury or illness resulting in the inability to perform duties for an indefinite period. This definition often varies marginally across jurisdictions, with specific criteria outlining what constitutes TPD. To be eligible for TPD bene