Total & Permanent Disability

Wai & Associates > Our Services > Total & Permanent Disability
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Keep your family's dreams alive. Even when you can't work.

What is Total & Permanent Disability

Total and Permanent Disability (TPD) is a lump sum benefit paid is often used to eliminate debts, pay for medical expenses or fund permanent lifestyle changes. It is normally purchased with Life Insurance or Takaful and covers up to the Sum Assured.

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How does it pay?

When TPD is confirmed, the insurer will pay either in a schedule of 10%/10%/80% of the Sum Assured or 100% of the Sum Assured depending on the type of disability. Our Life Planners will be able to advise you more on this should you wish to know.

What classifies as TPD?

There are 2 types of TPD situations:

  • Suited Occupation – Being unable to work again in the occupation you are professionally trained in following an illness or injury.
  • Any Occupation – Being unable to work again in any occupation following an illness or injury.


Life Insurance

Lump sum payment to your family in the event of death.

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Total & Permanent Disability

Advance payment payable to your family if your are unable to work due to a total disability

Accidental Death/Dismemberment

Lump sum payable in event of loss of use of limbs/vision and inability to work.

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Takaful Plans are available!

We understand some of our clients prefer Takaful products. Our strong partnership with AIA Public Takaful allows us to also advise our Muslim clients on their financial needs. Our comprehensive suite of takaful protection, medical and investment products are fully Shariah compliant. Do indicate to us your preference when you request a quote with us!