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Allianz Permanently Unable to Work cover

Permanently Unable to Work cover, also known as Total and Permanent Disability (TPD) Insurance, can be added onto your Life cover. It can help to minimise the impact that permanent disability, sickness, or injury has on your way of life.

Our Permanently Unable to Work benefit pays you a lump sum if you’re permanently unable to work due to Sickness or Injury, or suffer a Major Physical Impairment.1,2

The funds can be used for any purpose you choose – for example to help replace lost income for daily living costs, or assist with ongoing care or rehabilitation costs, or to pay for debts or any home modifications.

Your cover continues until the policy anniversary after your 65th birthday, as long as your premiums are paid when due.

We're here to support you when you need it most!

From 8 October 2026, we won't use your genetic testing information when deciding whether to offer you life insurance or the terms of your cover. This includes things like the premium you pay, or any exclusions or conditions that apply.

You don't need to tell us about genetic testing information when you apply for life insurance. If you choose not to share this information, it won't be treated as a misrepresentation and won't affect your policy or any claim you make. Please refer to the  FAQ section for more information regarding this.

Product disclosure statement
What's covered

What's covered

  • Permanent inability to work in any occupation

    You’re covered if solely because of a Sickness or Injury you're kept from working for at least 90 days in a row, and medical evidence shows you’re unlikely ever to return to a job suited to your experience, training and education.

    OR

    Major Physical Impairment

    You’re also covered if a Sickness or Injury causes a Major Physical Impairment, for loss of limbs, sight, hearing or paralysis. Each type of impairment must meet the definitions in the PDS for a claim to be paid.

What's not covered

What's not covered

  • Intentionally self-inflicted conditions

    While we're committed to supporting you through most difficult situations, our Permanently Unable to Work benefit doesn't cover conditions that result from self-inflicted actions.

  • Pre-existing sicknesses or injuries

    You’re covered for conditions that develop after your policy starts. Any Sickness or Injury you had before your policy started or before the benefit became active aren’t covered.

  • Special events or conditions we agree on

    Your Policy Schedule shows any special conditions or exclusions we agreed to before your cover started – so there won’t be any surprises if you need to make a claim.

  • Not following travel advice overseas

    We won’t cover claims related to travel in areas with 'Reconsider your need to travel' or 'Do not travel' warnings by Australian government travel advisories if safety precautions aren’t taken.

This product is not suitable for purchase within a superannuation fund.

This is a summary of only some of the features and benefits available on Allianz Life Plan. Before deciding on a policy, read the Product Disclosure Statement (PDS) which sets out the standard terms, conditions, limits, definitions, exclusions, waiting periods, exclusion periods and information about taking a combination of cover. If you consider it appropriate, speak with a financial adviser before deciding on any cover.

How much cover can you get?

When you apply to add TPD cover

  • The minimum Cover Amount is $100,000
  • If you are aged 16-45 you can get up to $1,500,000 cover
  • If you are aged 45-55 you can get up to $1,000,000 cover
  • You must also apply for Life cover
  • Your Permanently Unable to Work cover amount can’t be more than the Life Cover Amount
  • You must be working on a permanent basis in an eligible occupation type for at least 20 hours per week.
Get your quote

How does a TPD claim impact the rest of your life insurance coverage?

Combination of cover

Any payment for Permanently Unable to Work cover will reduce any other covers by that payment amount. If a payment made under the Permanently Unable to Work cover reduces any other cover amount to $0, then that cover will cease for the Life Insured.

Life cover Buy Back

If Permanently Unable to Work cover is paid in full, we may reinstate the Life Cover Amount that was reduced because of the Permanently Unable to Work payment after a 12-month waiting period. Critical Illness cover and Permanently Unable to Work cover won’t be reinstated as part of the Life cover Buy Back feature. This feature can be activated once, on the first eligible claim.

Refer to the 'Taking a combination of cover' and the 'Life cover Buy Back' sections in the Product Disclosure Statement for full details.

Why choose Allianz Life Insurance?

Clear to understand

Life insurance that’s designed to be as clear and straightforward as possible.

Simple to purchase

Apply, get assessed, and be covered in minutes – no paperwork or waiting.

Caring claims team

Caring and compassionate claims support when you need it most.

Award-winning insurance

We’re proud to have won numerous industry and customer awards.

See our awards
Reader's Digest - Quality Service award 2026 Life Insurance, Finder Awards 2025 - Most trusted Life Insurance, Finder People’s Choice Award for Insurance Innovation (Life Insurance) -2025, Finder People’s Choice for Social Impact Innovation (Life Insurance) - 2025.

How to apply for Permanently Unable to Work cover

1. Start your journey with a free, no-obligation Life cover quote today! You can easily enhance your coverage by adding our Permanently Unable to Work cover.

2. Apply online or call us. Answer questions about you without providing any medical reports or undergoing tests.

3. We're here to guide you through each step, making it easy to create the perfect insurance plan for your needs.

Get your quote

Find out more about Life Insurance

Life cover (required)

Life cover, or Life Insurance, covers death or a diagnosis of a Terminal Illness likely to result in death within 24 months, to help assist your family’s finances.3,5

To get Critical Illness or Permanently Unable to Work cover, you need to take out Life cover.

Learn more

Critical Illness cover (optional add-on)

Also known as trauma cover, can help relieve your financial burden if you’re diagnosed with one of the 14 defined serious illnesses. This is an optional add-on with Life cover.4,5

Learn more

This is a summary of only some of the features and benefits available on Allianz Life Plan. Before deciding on a policy, read the Product Disclosure Statement (PDS) which sets out the standard terms, conditions, limits, definitions, exclusions, waiting periods, exclusion periods and information about taking a combination of cover. If you consider it appropriate, speak with a financial adviser before deciding on any cover.

Frequently asked questions

Our TPD Insurance is called Permanently Unable to Work cover. It pays you a lump sum of up to $1.5 million if you become permanently disabled and can no longer work or suffer a Major Physical Impairment. It can help cover medical costs, debts and living expenses.1,5

TPD may be worthwhile if you rely on your income to support yourself or your family. It may help provide some financial security if you’re no longer able to earn a living due to disability.

No, TPD insurance pays a lump sum for permanent disability. Income protection is designed to pay you a regular income if you’re temporarily unable to work.

The amount you need will depend on your age, occupation, lifestyle, family and finances. You may wish to take into consideration factors such as debts, ongoing living costs and medical care if you couldn’t work again. Allianz offers up to $1.5 million if you’re aged 16 - 45 and $1 million if you’re aged 46 - 55.1,5

Allianz Life Plan is not available to purchase within a super fund. If you buy TPD insurance outside super the premiums you pay are generally not tax deductible. However, the lump sum payout is typically not taxed. The premiums you pay are generally not tax deductible. However, the lump sum payout is typically not taxed.

You may wish to talk to your professional tax adviser for advice regarding your personal circumstances.

Call 1300 362 108 or email us and one of our friendly specialists will discuss claim options with you and send you the relevant claim form to complete, sign, and return to us.

Once we’ve received the claim form and any other requested documentation, we’ll assign a claims case manager who will assess the claim and be your main point of contact.

From 8 October 2026, we can't use your genetic testing information when deciding whether to offer you life insurance, or the terms of that life insurance (for example, the price, or any exclusions or conditions).

This includes:

  • your genetic test results
  • whether you have been recommended to take a genetic test
  • whether you have had or intend to take a genetic test
  • the genetic testing information of your genetic relatives (E.g. Mother, Father, Brother, Sister)
  • any genetic predisposition to a disease or disorder

You have no duty to disclose protected genetic testing information when applying for life insurance. If you don’t tell us about your genetic testing information, this will not be treated as a misrepresentation and will not affect the validity of your policy or a claim.

However, you're still required as per your duty to take reasonable care not to make a misrepresentation to disclose any clinically diagnosed disease or disorder we ask you about, even if the disease or disorder is genetic in nature or the diagnosis was informed by a genetic test (or both).

The above applies on or after 8 October 2026 to new Life Insurance policies and changes to existing cover (including cover increases, reinstatements and adding benefits), regardless of when a genetic test was taken. We won’t ask, incentivise, or otherwise encourage you to take a genetic test.

If you have any questions regarding this, please contact us on 13 1000.

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*Conditions apply

  1. Permanently Unable to Work cover

    Provides cover if:

    • a)   you suffer a defined Major Physical Impairment due to Sickness or Injury, or
    • b)   you have solely because of Sickness or Injury:
    • been continuously unable to work for a period of at least 90 consecutive days; and
    • are unlikely ever to work again in any occupation for which you are suited based on your work experience, education and any training you’ve had.

    We won’t pay a Permanently Unable to Work benefit where the condition is intentionally self-inflicted.

    Refer to the Policy benefits ‘Permanently Unable to Work cover’, ‘When a Permanently Unable to Work benefit will be payable’ and ‘When is a benefit not payable (policy exclusions)?’ sections in the Product Disclosure Statement (PDS) for full details.

  2. Major Physical Impairment

    Provides cover for the following Major Physical Impairments due to Sickness or Injury:

    • Loss of limbs or paralysis: total and permanent loss of use of:
    • two or more limbs; or
    • one or more limbs and the loss of sight in one eye
    • Loss of sight: permanent Legal Blindness in both eyes; or
    • Loss of hearing: permanent loss of hearing in both ears due to profound and irrecoverable loss of hearing, both natural and assisted (other than by cochlear implant), with an average hearing threshold in both ears of 91dB or more as measured at 500, 1000 and 5000 Hz.

    We won’t pay a Permanently Unable to Work benefit where the condition is intentionally self-inflicted.

    Refer to the Policy benefits ‘Permanently Unable to Work cover’, ‘When a Permanently Unable to Work benefit will be payable’ and ‘When is a benefit not payable (policy exclusions)?’ sections in the Product Disclosure Statement for full details.

  3. Life cover and Terminal Illness

    A Terminal Illness means a Sickness which is likely to result in your death within 24 months. This requires the written opinion of a Specialist supported by reasonable medical evidence in relation to your life expectancy.

    Terms, conditions, limits and exclusions apply. Refer to Policy benefits ‘Life cover’ and ‘When is a benefit not payable (policy exclusions)?’ sections of the Product Disclosure Statement for full details.

  4. Critical Illness cover

    Critical Illnesses covered under this product are certain types of Vascular Disease, Cardiac Surgery, Cancer of specified severity, Degenerative Diseases, and Major Organ Failure. Each has a specific definition as outlined in the Product Disclosure Statement.

    In some cases, a 90-day exclusion period applies.

    We won’t pay a Critical Illness benefit where the Critical Illness is intentionally self-inflicted.

    Refer to the Policy benefits ‘Critical Illnesses cover’, 'When a Critical Illness benefit will be payable' and 'When is a benefit not payable (policy exclusions)?' sections in the Product Disclosure Statement for full details.

  5. Cover Amounts, combination of cover and Life cover Buy Back

    Maximum cover amounts apply and are dependent on your age at the time of application. The Critical Illness cover amount and Permanently Unable to Work cover amount can’t exceed the Life cover amount. The minimum cover amount for Critical Illness cover is $50,000, and $100,000 for Life cover and Permanently Unable to Work cover. The total amount payable under a policy is the Life cover amount listed on the Policy Schedule. Other conditions apply.

    Policies must include Life cover; taking a combination of cover you can also apply to add Critical Illness cover and Permanently Unable to Work cover. If we make a full Life cover payment in the event of death or Terminal Illness, then the Life Insured’s policy will cease. Any payment for Critical Illness cover or Permanently Unable to Work cover will reduce any other covers by that payment amount. If a payment made under the Critical Illness cover or Permanently Unable to Work cover reduces any other cover amount to $0, then that cover will cease for the Life Insured.

    If Critical Illness cover or Permanently Unable to Work cover is paid in full, we may reinstate the Life Cover Amount that was reduced as a result of the Critical Illness or Permanently Unable to Work payment after a 12-month waiting period. Critical Illness cover and Permanently Unable to Work cover won’t be reinstated as part of the Life cover Buy Back feature. This feature is not included in policies purchased on a PDS with a preparation date prior to 12 December 2012.

    Refer to the 'How much cover can I apply for?', 'Maximum benefits payable', 'Taking a combination of cover' and the 'Life cover Buy Back' sections in the Product Disclosure Statement for full details.

Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

 


Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.