When considering income protection insurance in Australia, it's essential to figure out how much coverage you really need. A common starting point is to aim for 70% of your monthly income. However, this is just a general guideline. Your individual requirements will certainly determine the appropriate amount of coverage. Consider factors like your

Total Permanent Impairment (TPD) is a legal term that describes a state where an individual experiences a serious injury or illness resulting in the inability to work for an indefinite period. This meaning often varies somewhat across jurisdictions, with specific criteria defining what constitutes TPD. To be eligible for TPD benefits, individuals t