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Total & Permanent Disability Insurance Option

This option is only available with Life Insurance. You only have this cover if we accepted your application and it is shown in your Policy Schedule.

1. What is Total & Permanent Disability Insurance?

Total & Permanent Disability Insurance provides a benefit in the event that a Life Insured under the Policy suffers Total & Permanent Disability.

2. Total & Permanent Disability Insurance eligibility

You can apply for this Insurance if you (and/or your Partner Life Insured) are aged between 18 and 59 years of age, and are Australian Residents.

3. Total & Permanent Disability Insurance Benefit Amount

The minimum Total & Permanent Disability Insurance Benefit Amount is $50,000. The maximum Total & Permanent Disability Insurance Benefit Amount for a Life Insured under the Policy at the Commencement Date is the lesser of the maximum Benefit Amount (shown below) or the Life Insurance Benefit Amount for that Life Insured provided under your Policy.

Maximum Benefit Amount (at Commencement Date)
Current Age Benefit Amount
18–44 $1,000,000
45–54 $800,000

4. Total & Permanent Disability Insurance benefit payment

We will pay the Total & Permanent Disability Insurance Benefit Amount as a lump sum if the Life Insured suffers Total & Permanent Disability (insured event) while covered under the Policy, except in the circumstances explained in “Total & Permanent Disability Insurance exclusions”.

Limit on benefits

Only one Benefit Amount is payable per Life Insured under this Total & Permanent Disability Insurance.

The Total & Permanent Disability Insurance Benefit Amount payable for a Life Insured cannot exceed the Life Insurance Benefit Amount for each Life Insured under this Policy.

If the Life Insured is covered for Total & Permanent Disability Insurance under more than one Guardian Life Insurance Policy, we will apply this limit to the total of the Total & Permanent

Disability benefits payable for the Life Insured under all Guardian Life Insurance policies. Any reduction in the Total & Permanent Disability Benefit Amount will be applied to the Total & Permanent Disability Insurance most recently commenced and we will refund the premiums paid referable to the amount by which the Total & Permanent Disability Benefit Amount is reduced.

Where a Benefit Amount is paid under this Total & Permanent Disability Insurance, we will reduce the Life and any Serious Illness Insurance Benefit Amount by the Total & Permanent Disability Insurance Benefit Amount in respect of that Life Insured. If we reduce the Life Insurance Benefit Amount and/or the Total & Permanent Disability Insurance Benefit Amount, we will reduce your premium accordingly.

5. Total & Permanent Disability Insurance premiums

The premium you are required to pay for this option when the Policy starts is shown in the Policy Schedule.

Your premium is calculated at each Policy Anniversary and is based on:

  • your age (and/or the age of the Partner Life Insured, if any) at that time;
  • the Benefit Amount provided for each Life Insured;
  • the Insurance Plan chosen by you (Joint Plan or Single Plan); and
  • various other factors which affect your premium rating (applicable to you or your Partner Life Insured as appropriate) such as gender, smoking status, state of health, family history, occupation and participation in hazardous activities.

For a quote you should contact a Insurance Consultant on 1300 709 560.

6. Total & Permanent Disability Insurance exclusions

We will not pay a Total & Permanent Disability Insurance Benefit Amount if the Life Insured suffers a Total & Permanent Disability directly or indirectly as a result of:

  • an injury caused or accelerated by an intentional act performed by the Life Insured, Policyowner or person who will otherwise be entitled to all or part of the Benefit Amount;
  • an injury caused as a result of engaging in any motor sport as a rider, driver and/or passenger.

If more than 25% of the Life Insured’s Pre‑Tax Income, earned during the 12 months immediately prior to the onset of the Sickness or Injury leading to Total & Permanent Disability is earned from motor sports activities, then only paragraph c. with the heading "loss of independent existence" of the definition of Total & Permanent Disability will apply.

7. Total & Permanent Disability Insurance start and end

If your application for Total & Permanent Disability Insurance is accepted by us, cover starts for a Life Insured on the Total & Permanent Disability Insurance Acceptance Date set out in the Policy Schedule.

The Total & Permanent Disability Insurance ends for a Life Insured when the first of the following occurs:

  • the date of death of the Life Insured;
  • the date of payment of a Total & Permanent Disability Insurance Benefit Amount for the Life Insured;
  • the date you cancel the Policy;
  • the date we cancel the Policy;
  • the date you cancel this cover; or
  • the Policy Anniversary following the attainment of age 65 by the Life Insured.
Life Insurance - Total & Permanent Disability Insurance Option

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