Acenda has added to its total and permanent disability line-up with the launch of TPD Severity cover.

The life insurer says the product provides “enhanced benefit … and reflects the evolving needs of Australians, including a need for greater stability in the cost of TPD insurance”.

The cover allows advisers to tailor protection to clients’ needs by “mixing and matching the levels of TPD Severity with the customer’s preferred level of other TPD cover”.

Acenda’s individual insurance chief executive Gerard Kerr said: “We’ve worked closely with advisers to design a solution that reflects the realities of modern medicine and employment, while helping more Australians access meaningful, affordable protection.  

“TPD Severity provides customers and advisers with more clarity and consistency when making a claim by using established medical benchmarks to assess the severity and permanency of an injury or illness.”