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.

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.

Flexibility

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.