When considering income protection insurance within Australia, it's essential to determine how much coverage you actually need. A common starting point is to aim for 80% of your monthly income. Keep in mind, this is just a basic guideline. Your individual circumstances will certainly influence the appropriate amount of coverage. Consider factors l

Total Permanent Disability (TPD) is a legal term that describes a situation where an individual experiences a severe injury or illness resulting in the inability to engage in any form of employment for an indefinite period. This meaning often varies marginally across jurisdictions, with specific criteria outlining what constitutes TPD. To be eligib