Total and Permanent Disability Benefit is available as a standalone policy, as an additional benefit on a Term Life Policy, or under Flexible Linking. There are four definitions of TPD cover.
Business Overheads can be vital to the survival of a business. It pays a monthly benefit to help cover the day to day costs of running a business for up to 12 months, if the insured person is disabled because of sickness or injury and is unable to work at their full capacity in their business.
25% off the first year’s premium only. Consider the ongoing premium in deciding whether to take out the insurance. Unless withdrawn earlier, the discount is only available for quotes received on or prior to 31 December 2020, where any subsequent application is lodged prior to 31 January 2021. The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157 ('the Insurer'). BT Protection Plans are issued by the Insurer except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 ('BTFM') as trustee of the Retirement Wrap ABN39 827 542 991. The Insurer and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 ('the Bank'). The Bank does not guarantee payments under the insurance. Please read the Product Disclosure Statement at bt.com.au to see if this insurance is right for you. The information in this document does not take into account your personal circumstances.