Total Permanent Disablement (TPD)
The “permanent” defines this scenario. How much could you earn from now until retirement? It’s a scary thought, but it makes sense to protect this.
This pays a lump sum amount should illness or injury cause you to become totally & irreversibly disabled, & unable to ever work again in your usual occupation. Commonly an underinsured area, yet covering one of the more devastating scenarios you could face, as your earning capacity is over!
When you think of your potential earned income from now until you retire, it will put in perspective the importance of having total permanent disablement covered.