What is the difference between 'any' or 'own' occupation?

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What is the difference between 'any' or 'own' occupation?

TPD Insurance (which stands for total and permanent disability) is a comfort for any family who relies on their income to maintain their lifestyle.

When you take out this type of product, you have the choice to insure yourself in a number of ways – each of which affect the likelihood of a successful payout.

There are two main ways to insure yourself with a TPD policy:

  1. Any occupation: You can claim if you are permanently disabled and cannot work in any occupation you are suited to by education, training, or experience.
  2. Own occupation: You can claim if you’re unable to work in your usual occupation or your chosen field of employment.

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What is an Estate Briefing Paper?

Having an Estate Briefing Paper prepared by strategic tax advisors means that we can guide the structure of your Estate Plan to ensure your assets will be managed and transferred to your beneficiaries in the most financially efficient and tax effective way.


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The tax impacts you need to know with divorce and relationship breakdowns including some of the areas that may impact you and where you may need assistance for your SMSF, Trusts and Estate Planning.


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How much insurance cover do I need?


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