Total and permanent disablement insurance should be a vital part of your total insurance cover. But there are two things to be aware of: you need to consider which type best suits your needs; and whether recent changes to the TPD rules will affect you.

General Advice warning:
Pearl Funds Management, an authorised representative AFS Rep No 001254808 of Banyan Securities Pty Ltd AFSL 484139
The information presented by us is general in nature and does not take into account your personal goals and objectives. It does not represent financial product advice. You should always seek independent legal and financial advice before making a decision in relation to a financial product. Read the Product Disclosure Statement (PDS) before making a decision. You should consider your own circumstances, needs and financial objectives before making a decision.

Cliona O'Dowd
10 November 2014