A serious illness can take away your ability to work again just as a serious accident can render you permanently disabled. The outcome is the same: you are unable to earn an income for the rest of your life.

The financial impact of never working again is felt immediately and can have sustained impacts well into your future. While there are some welfare benefits available, these typically require a rigorous claim process and may only cover your day to day living expenses.

Disablement brings other financial needs besides basic living expenses. Modifying your home, taking a break with your family, clearing debts, setting up a retirement fund. If you can't meet these financial needs its hard to stay positive about your future.

Total and Permanent Disablement Insurance provides a lump sum if you are permanently disabled through an illness or accident. You can use these funds for any purpose including debt reduction, ongoing income or helping to modify your lifestyle.

Your SHARE adviser can show you just how affordable this type of cover can be and how it can be used to safeguard your financial future.