---
title: "total & permanent disability (TPD) family protection severity based insurance business debt protection - 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/total-and-permanent-disability-insurance"
date: "2026-06-17T08:51:24+00:00"
language: "en-GB"
---

#  total & permanent disability (TPD) family protection severity based insurance business debt protection

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

|---|
| [ 7 Crazy things some people believe about Life insurance ](https://sapience.com.au/blog/7-crazy-things-some-people-believe-about-life-insurance) |
| [ AI and the Future of Professional Advice ](https://sapience.com.au/blog/ai-and-the-future-of-professional-advice) |
| [ 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) |
| [ Conversations about money I wish I had with my parents ](https://sapience.com.au/blog/conversations-about-money-i-wish-i-had-with-my-parents) |
| [ Financial Advice for Same-Sex Couples ](https://sapience.com.au/blog/financial-advice-for-same-sex-couples) |
| [ Free eGuide - 31 Families Every Day Lose a Parent ](https://sapience.com.au/blog/31-families-every-day-lose-a-parent) |
| [ Learning new skills to survive another different kind of year ](https://sapience.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year) |
| [ New Medical Second Opinion Service available to Sapience clients ](https://sapience.com.au/blog/new-medical-second-opinion-service) |
| [ New Severity Based Insurance ](https://sapience.com.au/blog/new-severity-based-insurance) |
| [ Power of Attorney for Families ](https://sapience.com.au/services/modern-estate-planning/for-families/power-of-attorney) |
| [ Prostate cancer surgery and its disturbing new link to business risk ](https://sapience.com.au/blog/prostate-cancer-surgery-and-its-new-link-to-business-risk) |
| [ Protecting Business Debts ](https://sapience.com.au/services/for-business/business-debt-protection) |
| [ Protecting Business Value ](https://sapience.com.au/services/for-business/business-value-protection) |
| [ Protective Wills ](https://sapience.com.au/services/modern-estate-planning/for-families/protective-wills) |
| [ Severity Based Insurance ](https://sapience.com.au/services/for-life/severity-based-insurance) |
| [ Stay at home parents and a glitch in TPD insurance ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance) |
| [ 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) |

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