Don’t overlook impact of TPD, adviser urges
Total and permanent disability (TPD) cover is something that might be being underestimated by a lot of clients and their insurance advisers, says Travis Hamilton of Plan B Financial Services.
Hamilton said he had done “more than my share of TPD claims” through the years.
They were all clients who had “own occupation” cover, so the claims were paid when they were unable to continue to work in their current fields, rather than “any occupation” cover, which requires people not to be able to work at all.
“None would have been claimed...MORE»
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