When considering income protection insurance within Australia, it's essential to figure out how much coverage you really need. A common general guideline is to aim for 70% of your monthly income. That said, this is just a general recommendation. Your individual circumstances will finally affect the appropriate amount of coverage. Consider factors

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