Permanently Unable to Work cover

Understanding Permanently Unable to Work cover

Permanently Unable to Work also known as Total and Permanent Disability (TPD) is an additional cover that can be added onto your Life cover.

Total and Permanent Disability can be financially as well as emotionally devastating and if you have not considered the consequences of losing your income, now is the time to do something about protecting it.

Our Permanently Unable to Work policy pays you a lump sum (subject to conditions) which can be used to help to minimise the impact Total and Permanent Disability has on your way of life. The funds can be used for anything from paying off debts, replacing lost income for daily living costs, or assisting with ongoing medical and rehabilitation costs.

What is covered?

Permanently Unable to Work cover can be added as an option to your Life cover policy and covers:

  • Permanent Inability to Work in Any Occupation We will pay a benefit when solely because of Sickness or Injury you have been continuously absent from work for a period of at least three consecutive months and due to that Sickness or Injury you are unlikely ever to work again in any occupation for which you are suited based on your work experience, your education and any training you have had.
  • Major Physical Impairment We will pay a benefit on:
    • loss of limbs or paralysis - total and permanent loss of use of two or more Limbs or, one or more limbs and the sight in one eye due to Sickness or Injury.
    • loss of sight - permanent Legal Blindness in both eyes due to Sickness or Injury.
    • loss of hearing - total and permanent loss of hearing in both ears due to Sickness or Injury.


All Australian permanent residents aged between 16 to 55 can apply.

Age at application Minimum Maximum
16 - 45 $100,000 $1,500,000
46 - 55 $100,000 $1,000,000
56 - 65 Not eligible for cover Not eligible for cover

You can tailor the benefit amount to suit your needs; you can choose any cover amount between $100,000 and $1,500,000 depending on your age, however this amount cannot exceed the Life cover amount.

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Inflation proofing

Each year we will automatically increase your Permanently Unable to Work cover to keep pace with inflation (the increase will be the greater of 5% or the increase in the CPI over the previous year) up until the policy anniversary after your 65th birthday.

Each year premiums will also be increased in accordance with the increase in your coverage so you can rest assured your cover will be worth the same amount if you come to make a claim later down the track. Any annual increase can be declined by advising us in writing.

Guaranteed renewable policy

Once a policy has been accepted and issued, and provided premiums are paid as due, we guarantee to renew it until the the Policy Anniversary after the life insured’s 65th birthday.


All Australian permanent residents between the ages of 16 to 55 (inclusive) may apply for Permanently Unable To Work cover.

You must be working on a permanent basis in an eligible occupation type for at least 20 hours per week.

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How to apply

You can apply for life insurance today in three easy steps.

  • Step 1: Get a free no-obligation quote.
  • Step 2: Apply online with no medicals required.
  • Step 3: Buy online and secure protection today.

Industry Awards and Code of Practice

Most Trusted Brand

According to Readers Digest 2015, 2016, 2017 and 2018

Risk & Life Insurer of the Year

Roy Morgan Research Customer Satisfaction Awards 2016

Product of the year

Life Insurance Product of the Year Award by AB+F in 2012 and 2013

Life Insurance Code of Practice Subscriber

Life Insurance Code of Practice Subscriber 2017

Frequently Asked Questions

Permanently Unable to Work Insuranceis also known as Total and Permanent Disability (TPD) Insurance. It provides a lump sum payment (subject to conditions) in the event that you are permanently unable to work due to sickness or injury. Permanently Unable to Work Insurance replaces income that has been lost as a result of the permanent inability to work and helps you cover debts and living expenses. You could use the benefit payment to provide for medical treatment or ongoing care or to pay for any home modifications that are required as a result of your disability. Allianz Permanently Unable to Work cover will also pay a lump sum if the life insured suffers from a defined Major ‎Physical Impairment such as loss of sight or hearing, regardless of your future ability to work. You must be between the ages of 16 and 55 to apply for Permanently Unable to Work cover. Once you are accepted, as long as you pay your premiums, we guarantee to renew your cover until your 65th ‎birthday, regardless of changes to your health condition.4

How much Life, Permanently Unable to Work and Critical Illness cover you need, will vary according to your individual circumstances. In general, you should consider:

  • Any other Life, Critical Illness and/or Permanently Unable to Work cover that you may have, including Life and Permanently Unable to Work insurance - provided through your superannuation fund (if any);
  • What you can afford;
  • Whether or not you have dependents (e.g. spouse, partner and/or children) who are reliant on your income; and
  • Whether or not you have a mortgage, or any other debts for which you are responsible such as credit cards and other loans.

If you are unsure about the level of cover you require speak with a financial adviser before making a decision.

Despite the fact that most Australians have some level of life insurance cover within their superannuation, you should check ‎the adequacy of this cover, as it might be less than you expect and may not meet your needs. When determining whether or not the cover provided by your superannuation fund is sufficient you need to take into account the total benefit paid by your superannuation fund. This total may be made up of your account balance and an insured benefit or may be limited to the insured benefit only. You should also check whether or not your insurance could be continued if you were to change employers in the future. If you are unsure of the level of cover provided through your superannuation fund, you may wish to speak to the fund provider, a financial adviser or an accountant.
Your cover begins on the day we accept your application for cover and the ‘commencement date’ will appear on your Policy Schedule.
Allianz Life has adopted the Life Insurance Code of Practice, which contains minimum standards of service and minimum standard medical definitions that customers can expect from insurers. The Code can be found on the Financial Services Council website.

More Frequently Asked Questions

Life Insurance

Choose Life cover and add your options

Choose Life Cover

Life cover is also known as life insurance or death cover. It is a way of protecting your family's financial future*.

  • Up to $1,500,000 cover1
  • Up to $15,000 funeral advancement included7
  • Insure up to 2 people on the same policy
  • Benefit increases every year to keep up with inflation3
  • Keep your cover - guaranteed to age ninety nine4

*Conditions apply

Add Critical Illness Cover

Critical Illness cover is also known as trauma cover and pays a lump sum benefit if the life insured suffers one of the defined Critical Illness events*.

  • Up to $500,000 cover1
  • Cover for 14 serious illnesses such as cancer and heart attack5
  • Benefit increases every year to keep up with inflation3
  • Keep your cover - guaranteed to age seventy4

*Conditions apply

Add Permanently Unable to Work cover

Permanently Unable to Work cover is also known as Total and Permanent Disability (TPD) cover*.

  • Up to $1,500,000 cover1
  • Lump sum payment if you are never able to work again due to sickness or injury6
  • Additional cover for Major Physical Impairment such as blindness or loss of hearing*
  • Benefit increases every year to keep up with inflation3
  • Keep your cover - guaranteed to age sixty five4

*Conditions apply

Next Steps

Policy Documents
and Important information

For terms, conditions and exclusions about our life insurance, please refer to the Product Disclosure Statement (PDS).

Important information: This product is not suitable for self-managed superannuation funds (SMSF) and is not available for purchase through a SMSF. We would encourage you to speak to your financial planner or accountant who may be able to provide you with advice.

Important note: Information on this website is general information only. Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making any decision you should consider the Allianz Life Plan Product Disclosure Statement and Policy Document (PDS). You should seek advice from your financial adviser before deciding on appropriate insurance cover.