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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. Who can take out Total & Permanent Disability Insurance?

You (and/or your Partner Life Insured) must be Australian Resident/s aged between 18 and 59 years of age and working at least 20 hours per week.

3. The amount of Total & Permanent Disability Insurance you can apply for

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 in the table 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
55–59 $500,000
60–64 Not eligible

4. When we will pay the Total & Permanent Disability Insurance benefit?

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 “What is not covered under your Total & Permanent Disability Insurance?” in the PDS.

The Total & Permanent Disability must be certified by a Medical Practitioner or a Specialist Medical Practitioner (as indicated in the Glossary in the PDS), the diagnosis may require confirmation by our medical advisers. If confirmation is required, our medical advisers will review the medical evidence submitted in support of your claim, nothing will be required from the claimant for this review to occur.

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 Serious Illness Insurance Benefit Amount, we will reduce your premium accordingly.

5. The cost of your Total & Permanent Disability Insurance

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

The Total & Permanent Disability Insurance premium is a stepped premium which means that it will increase each year as you age. Your premium is calculated at each Policy Anniversary and is based on:

  • the age of each Life Insured at that time; and
  • the Benefit Amount provided for each Life Insured; and
  • the Insurance Plan chosen by you (joint plan or single plan); and
  • various factors which affect the premium rating for each Life Insured such as gender, smoking status, state of health, family history, occupation and participation in hazardous activities.

For a premium quote or to understand more about the cost of your Insurance, please contact a Insurance Consultant on 1300 709 560 (Monday to Friday between 8am and 8pm AEST).

6. What is not covered under your Total & Permanent Disability Insurance?

We will not pay a Total & Permanent Disability Insurance Benefit Amount if the Life Insured suffers a Total & Permanent Disability 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; or
  • an injury caused as a result of engaging in any motor sport as a rider, driver and/or passenger.

We will not pay any Benefit Amount where we have agreed a special term with you in respect of your cover that specifically excludes the event or condition leading to the claim. Any such special term will be agreed with you before your Policy is issued and will appear on your Policy Schedule.

7. When your Total & Permanent Disability Insurance starts and ends

If your application for Total & Permanent Disability Insurance is accepted by us, then Total & Permanent Disability Insurance starts on the Acceptance Date. If we agree to add Total & Permanent Disability Insurance to your Policy after the Acceptance Date, we will advise you of the date the Total & Permanent Disability Insurance starts.

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; or
  • the date of payment of a Total & Permanent Disability Insurance Benefit Amount for the Life Insured; or
  • the date of payment of a Serious Illness Insurance claim for the Life Insured where the Serious Illness Insurance Benefit Amount is the same, or higher, as the Total & Permanent Disability Benefit Amount; or
  • the date you cancel the Policy; or
  • the date we cancel the Policy; or
  • the date you cancel this cover; or
  • the Policy Anniversary following the Life Insured’s 65th birthday.
Life Insurance - Total & Permanent Disability Insurance Option

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