Total & Permanent Disability

If you suffer an illness or injury that leaves you totally and permanently disabled, would you and your family be able to absorb the financial pressures?

Total and Permanent Disability insurance (TPD) provides a lump sum benefit to reduce debts, pay for medical expenses or fund permanent lifestyle changes.

Types of cover and the definition of what is a ‘total and permanent disability’ can vary depending on the particular product and insurance policy. For example, if a plastic surgeon injures his hands in an accident, he may receive a payout under an ‘own occupation’ definition, if it is considered that he is unlikely to work again as a surgeon. However, he may not receive a payout under an ‘any occupation’ definition if it is considered that he can still work as a General Practitioner.

Gow-Gates’ team of financial advisers are qualified professionals. We take the time to thoroughly investigate a ‘best fit’ for your circumstances to help ensure that you and your family are well protected. We help you to:

  • Review your existing cover
  • Identify your insurance needs
  • Select  the appropriate insurance
  • Select the appropriate level of cover
  • Start the insurances on your behalf

For more information on how we can assist you, contact us now.


Gow-Gates Financial Services Pty Ltd (ABN 97 001 250 344) is an Authorised Representative of Apogee Financial Planning Limited (ABN 28 056 426 932), an Australian Financial Services Licensee with its registered office at 105-153 Miller Street, North Sydney NSW 2060

General Advice Warning: Any advice in this site is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.


Kevin Feaver
Senior Financial Adviser
P: (02) 8267 9951

Trevor Payne
Partnerships & Advice Manager, Financial Services
P: (02) 8267 9957