---
title: "income protection total & permanent disability (TPD) income streams severity based insurance Income Protection Insurance - Sapience Financial"
description: "Life Insurance Advice and  Modern Estate Planning Services for Australian Small Business Owners, Partnerships & their Families"
url: "https://sapience.com.au/life-insurance/income-protection-insurance"
date: "2026-06-14T02:16:12+00:00"
language: "en-GB"
---

#  income protection total & permanent disability (TPD) income streams severity based insurance Income Protection Insurance

 | [Title](# "Select to sort by this column") |

|---|
| [ Better than a Tim Tam and Why Aussie TPD and Income Protection are World-Beaters ](https://sapience.com.au/blog/better-than-a-tim-tam-and-why-aussie-tpd-and-income-protection-are-world-beaters) |
| [ Can I Get Income Protection while living with Anxiety? The Realities of Underwriting ](https://sapience.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) |
| [ Can your family get your money back from your business if it's Director or Owner dies? ](https://sapience.com.au/blog/can-your-family-get-your-money-back-from-your-business-if-its-director-or-owner-dies) |
| [ Co-Owners and the new way to buy property and help your kids ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property) |
| [ Double Income Family with a Double Income Mortgage ](https://sapience.com.au/services/for-life/double-income-family-with-a-double-income-mortgage) |
| [ Income Protection Insurance ](https://sapience.com.au/services/for-life/income-protection-insurance) |
| [ Life Insurances for People Living with Diabetes ](https://sapience.com.au/services/premium-services/life-insurances-for-people-living-with-diabetes) |
| [ Life Insurances for People taking PrEP ](https://sapience.com.au/services/premium-services/life-insurances-for-people-taking-prep) |
| [ New Severity Based Insurance ](https://sapience.com.au/blog/new-severity-based-insurance) |
| [ Newly diagnosed with diabetes and needing to get your Income Protection in place? ](https://sapience.com.au/blog/newly-diagnosed-with-diabetes-and-needing-to-get-your-income-protection-in-place) |
| [ Severity Based Insurance ](https://sapience.com.au/services/for-life/severity-based-insurance) |
| [ Special Alert: End of Agreed Value Income Protection ](https://sapience.com.au/blog/special-alert-end-of-agreed-value-income-protection) |
| [ Stay at home parents and a glitch in TPD insurance ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance) |
| [ Supporting the siblings of people living with a disability or chronic health condition ](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition) |
| [ The Average Lifetime Cost of Care for the Top Five Major Health Conditions ](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions) |
| [ The Double-Income Tightrope: What's Your Plan B for the Mortgage? ](https://sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage) |
| [ The hidden victims of our road toll ](https://sapience.com.au/blog/hidden-road-toll-victims) |
| [ The problem of Becoming Uninsurable (and the Ken & Barbie lifestyle of denial) ](https://sapience.com.au/blog/the-problem-of-becoming-uninsurable) |
| [ The Unseen Retirement Crisis: Why Your Home is More Than Just a Roof Over Your Head ](https://sapience.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head) |
| [ Tips for Applying for Life Insurance when using Cannabis Oil ](https://sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil) |

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