BT Total and Permanent Disability (TPD) insurance

BT’s TPD insurance pays a lump sum in the event you become totally and permanently disabled and are unlikely to work again.

Why BT TPD insurance

BT’s TPD insurance pays a lump sum in the event you become totally and permanently disabled and are unlikely to work again.

  • Choose the definition that’s right for you; Own occupation, Any occupation, Home maker or General

  • Use super to pay for premiums by owning the cover inside super, and use super-linking options to top up definitions with cover outside super

  • Loyalty benefit that provides an additional 5% at claim time once the policy has been in force for more than three years

  • Future Insurability benefit to allow you to increase the cover in the future upon certain life events without being medically underwritten

Features & benefits

Change cover as you need to

You have the option to change your level of cover so your policy continues to suit your needs no matter what life stage you're at.

Guaranteed continued cover

All BT Protection Plans are guaranteed to continue for the term specified. This means that as long as you continue to pay your premiums, your cover will continue, even if your circumstances change.

Product upgrades

All new product upgrades, that don't result in an increase in premiums, are automatically applied to your existing policy so you continue to hold the most up-to-date BT Protection Plans product available.


BT’s TPD insurance can be added to your Term Life policy or taken as a standalone policy.

Low-cost fees

Take out $750,000 of Life and TPD cover for as little as around $4.40 per day1.

1Based on rates for BT Protection Plans current as of June 2016. Cost based on Term Life insurance with additional any occupation TPD insurance for a 45 year old, non-smoking, male, marketing manager, living in NSW, paying a stepped annual premium.

Contact a BT Wealth Consultant to discuss Total and Permanent Disablement insurance

The Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The Bank does not guarantee the insurance.  This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Please read the Product Disclosure Statement to see if this insurance is right for you.

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714