What modifications would you need to make to your lifestyle and home if you were totally and permanently disabled tomorrow? Could you afford financially to make these necessary adjustments to your life?
Perhaps a TPD lump sum payment could remove some of that financial pressure and allow you to make the most of a bad situation?
Statistically, there is a 9% chance of one person in a couple becoming totally and permanently disabled during their working lives. 17% for a group of four business partners.
What’s your plan?