If you became permanently disabled, would you be able to cope financially?
Total Permanent Disability (TPD) benefit pays out an agreed sum of money if you get an illness or injury that means you’re permanently incapacitated. We can identify the best deal for your personal circumstances.
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What is Total Permanent Disability?
Generally speaking Total Permanent Disability (TPD) covers you when you are unable to work in your role (or one you are trained, experienced or qualified to carry out) because of sickness or a physical injury which incapacitates you.
The policy would pay out an agreed cash sum if you were to become totally and permanently disabled due to a physical injury or serious illness. Total Permanent Disability Benefit can help alleviate the financial burden of everyday bills such as existing debt, credit cards and mortgage payments.
How could TPD cover help me?
There might also be an element of specialist care required in order to offer the individual a decent quality of life as well the additional costs related to the injury or health condition-medication, physiotherapy, mobility aids or house adaptations.
Sometimes a proportion of the payout can also be used for education or training costs of the spouse of the injured so they can enter the workforce. It could even be used to help them start a home business so the spouse can stay home and care for their disabled spouse whilst still being able to earn an income.
Do I need Total Permanent Disability Benefit?
The need for disability insurance has increased in line with life expectancy. The longer we live, the more likely we are to battle illness, and this means incurring increased expenses that can seriously deplete your personal savings quickly.
If you answer ‘no’ to any of the following questions, you should consider arranging a protection plan that can help if your circumstances should change.
Would your business or employer support you financially if you got a Total Permanent Disability?
Would your loved ones be able to financially maintain their lifestyle if you were unable to work?
Could you cover your monthly outgoings such as rent, a mortgage or car payments if you became seriously ill and unable to earn a living?
Would your children be able to fully complete their education if you we unable to help fund it?
Are there other options to consider?
Yes, quite a few in fact. Let’s take a look.
You can get a Joint Policy by including your spouse or partner when creating your policy.
You can opt to include Term Life Insurance, so that you’ll receive a pay-out if you were to pass away during the term of the policy.
You can opt to include Critical Illness Insurance, so that you’ll receive a pay-out on the diagnosis of a severe ailment or medical condition such as cancer, heart attack or stroke.
What about Whole Life Insurance?
Whole Life Insurance offers coverage for the full lifetime of the insured. Premiums go toward both maintaining the policy’s death benefit and allowing the policy to build a cash value at a guaranteed rate.
The policy owner can borrow funds against that cash value or, in some instances, withdraw cash from it outright to help meet needs such as paying for a child’s college education or covering medical expenses.
IAE INSURE can help you choose the level of cover suited for your personal circumstances and needs.Get a free quote
Why get Insurance through IAE INSURE?
We’ll find the right policy for your needs
We work with the leading Insurance providers and underwriters in the UAE so that we can tailor the best policy for your unique circumstances and needs.
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Our fully qualified and highly experienced Life Insurance advisers are always happy to provide a free no-obligation quote and their expert advice.
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What do I need to get a free quote?
To get a free no-obligation Insurance quote, you’ll need to provide us with a few details, including:
Date of birth
Lifestyle habits, including whether you smoke
The type of policy you want
How long you want the cover for
How much cover you want
Call us on +971 4 396 1878 or use the button below to get a free no-obligation Insurance quote.Get a free quote
Frequently Asked Questions (FAQ)
The earlier you take out a TPD policy the cheaper it’s likely to be. This means it’s more efficient in the long run and it means that as soon as you get married or have any dependants they’re immediately protected.
You can make your TPD policy cheaper by combining it with or buying it alongside normal life insurance. Some insurers do not even sell standalone TPD cover.
It is worth noting that there is normally only one pay-out, so if you make a claim for a TPD, your family would not receive a further pay-out on death.
Most premiums are fixed, but some companies offer what are known as reviewable premiums – which have lower starting premiums that could rise during the policy term.
IAE Insure can quote you for both types of cover.
Most policies pay out only once, but some policies allow for a small payment if you are diagnosed with a less severe disability.
Everyone situation is unique, and as such every policy is underwritten for that individual and their circumstances.
While personal and family health history is one of many key price indicators (along with current health, age and smoking habits), it doesn’t in any way prevent you from receiving quotes.
Our experts have helped many happy applicants with pre-existing conditions and health challenges and have enabled them to obtain TPD and Life Insurance that suits them.
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