Think about having a safety net
Total and Permanent Disability Cover ensures you will receive a lump sum payment if you become totally and permanently disabled. This does not mean you have to be bed-ridden, however it does mean that your injury or illness must be severe enough to cause you to never be able to work again in your current occupation.
This is one cover that is often overlooked because we often ask will this really ever happen to me? The answer is quite possibly and can be a god send to have in place if you are the main provider for your family and you were ever off work long term (due to illness or accident).
