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Life insurance provides a lump sum payment to your beneficiaries upon your death or upon your diagnosis with a terminal illness that will end in death within 12 months.
TPD is designed to provide money when the insured is permanently unable to work or has lost the ability to function cognitively or physically, therefore this type of risk can carry greater financial consequences than death.
Income protection insures you for a set level of your income (commonly 75% of your gross salary) for a certain length of time. In the event that you cannot work due to illness or injury, your income protection insurance will continue to pay you at the agreed level and for the agreed length of time.
Trauma insurance can provide a lump sum of money to help you meet medical expenses and clear debts when you have suffered a medical trauma. The type of traumas covered will differ between policies, with some of the more commonly-defined events being cancer, heart attack, and stroke.