TPD insurance gives you protection against total and permanent disability by providing a lump sum payout if you can never work again due to injury or illness.

The amount of money you receive depends on how much cover you purchase.

Then you can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan.

You decide how much cover you will need if you are no longer able to work. You then pay a regular premium depending on the TPD Cover Amount you have selected. The cost of your premium will also depend on factors like your age, the industry you work in, your medical history, and your lifestyle.

Policies with TPD Cover pay a benefit if you can no longer work due to injury or illness in your usual job (Own Occupation Benefit) or may only cover you if you can't work in any job for which you may be suited to by education, training or experience (Any Occupation Benefit). Premiums, terms, and conditions will vary according to the definition, so please speak with your financial adviser before making any decision.

MetLife not only allows you to choose the TPD Cover that’s right for you but also gives you the flexibility to adapt the type of cover you need according to your changing needs, age, and lifestyle by adding optional extras that tailor your TPD Cover further.