Life Insurance
1800 221 727
1800 819 499

How much do you need?

You and your family are unique. So your TPD insurance needs are as well.

There is no set amount of TPD insurance everyone should have, the amount you may need is calculated based on a number of factors, like your:

  • income - how much you earn today (and tomorrow!)
  • dependants - do you have children or other financial dependants?
  • debts - do you have a mortgage, loan or other debts?
  • assets - have you accumulated any assets over the years, like property or shares?

To get a true indication of how much is enough, have a chat to your financial adviser. They'll be able to understand your individual circumstances, and then make sure you have the right amount of cover and the right policy to meet your unique needs.

How much is enough?
To understand your needs, a financial adviser will ask you some questions, so it's time to start thinking about the future (go on, it's fun!).
-     What does the future look like for you and your family?
-     What plans are you making together - that you don't want to have to break due to finances?
-     Do you have plans to put your children through university, take holidays or buy an investment property?
-     How much does your family's lifestyle cost you each month - bills, mortgage payments, kids activities?
-     Do you have savings that you could easily access if you needed them?

Once you've started painting the picture of your family's future and the costs involved in raising a family and reaching your goals, you'll start to get an idea of how important insurance is to cover those needs!

Tip: many of us have some TPD insurance in our super funds. It's often not enough - but it's a good starting point to getting you covered for life.

Before you see your adviser, give your super fund a call - or check your annual statement - to see if you have TPD cover, and how much.

To find out more about Total and Permanent Disablement insurance:

This is general advice and does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider the Product Disclosure Statement and the appropriateness of the advice having regard to your situation and consult your financial adviser.

Which cover is right for me?

It is important to get your TPD Insurance right. This is why our products are only sold through experienced advisers who can help you get the protection you need.

Talk to an adviser Discover how an adviser can help you

Asteron Life™ is committed to providing customers with long term financial security. We provide life insurance products including Income Protection Covers, Trauma Cover, Total & Permanent Disablement (TPD) Cover, Life Cover and Business Expenses Cover. To obtain a copy of our privacy statement, please contact us on 1800 221 727 or visit the following website to view or download the policy.