Try as you might, some health problems just can't be avoided. And you can't always count on getting better.

If a serious accident or illness left you unable to work, where would the money come from to pay the bills and possible medical expenses?

Disablement Cover pays a lump sum if you are totally and permanently disabled. This money can help replace your income, cover your medical expenses plus rehabilitation costs, and generally keep you and your family running during a difficult time.

Total and Permanent Disablement Insurance (TPD Cover) - inside and outside superannuation?

You may be able to hold your TPD insurance cover inside a self-managed super fund or alternative super fund - meaning you can pay your premiums out of pre-tax dollars.

This won't make your premiums any lower, but it could mean an effective saving of up to 46.5% (the top marginal tax bracket). There are often restrictions associated with holding TPD cover in super, however talk to us before you make a decision.