Same sum insured. More affordable by design.

Your clients can request an existing business quote through you (via the TAC) or call us directly on 1300 209 088 to request a quote. Later this year, eligible customers will also be able to request a quote online; we’ll let you know when that functionality is available.

For Accelerated Protection applications, please complete the Application to add TPD Support Option (TSO) on the TAC, which will be available from 1 August 2026.

For Protection Plans applications, the application form for TSO will be available in TAC from 1 October 2026.

At this stage, only customers with upcoming policy anniversaries can access TSO as an alteration on their policy.

For Accelerated Protection clients, the following eligibility criteria apply:

• TPD definition is Any Occupation or Own Occupation (not ADL)
• Life insured is aged 61 or younger (ANB 62) at time of application
• No mental health exclusion applies to the TPD benefit
• No Double TPD Option on the policy
• No notified, active or eligible TPD claim exists
• Customer has received their Significant Event Notice (SEN)

For Superlink policies, TSO must be applied to both policies (Ordinary and Super).

For Protection Plans policies, eligibility criteria will be updated and communicated in September 2026.

The TPD Support Conditions include any one or more of the following:

Mental conditions or disorders

Mental conditions or disorders - any mental or behavioural illness, conditions or disorders, including any symptoms, manifestations or complications thereof. This is taken to include but is not limited to:

• Anxiety
• Depression
• Bipolar disorder
• Post-traumatic disorder
• Other disabling stress; attention deficit and/or hyperactivity disorders; burnout; eating disorders; alcohol or drug use disorders or abuse; insomnia; physical complications of a psychiatric disorder; and any emotional, cognitive, behavioural, or somatic symptoms and manifestations of any mental or behavioural illness, conditions or disorders.

Fatigue and functional disorders or conditions

Chronic tiredness, fatigue or exhaustion; or difficulty recovering from exertion that is not explained by structural organ disease or demonstrable tissue damage. This is taken to include but is not limited to:

• Chronic fatigue syndrome
• Fibromyalgia
• Functional neurological disorder
• Burnout related disorders or conditions
• Long COVID.

Other specific syndromes and disorders

Includes:

• Postural orthostatic tachycardia syndrome
• Post-concussion syndrome
• Vestibular disorders.

Note: Alzheimer’s disease and dementia are not TPD Support Conditions.

Please refer to the TSO Terms and Conditions, Issue 1, 1 August 2026 for the complete definition of all TPD Support Conditions for Accelerated Protection policies.

Removing TSO requires underwriting and it’s not guaranteed. Your client may not be able to regain their original TPD cover.

Please note, if your client requests to add TSO directly through us and you then subsequently wish to cancel that request, please contact your BDM to discuss. Like all alterations, if your client makes any changes to their policy, a confirmation letter will be made available via their policy record in Inforce Management.

When TSO is added to an existing policy, commission will continue to be paid in accordance with the commission terms applicable to that policy and will apply to the commissionable premium after selection of TSO.