Here are some of the main reasons why someone might consider getting Total and Permanent Disability (TPD) insurance:

1. Protection against loss of income: TPD insurance provides a lump sum payment if you are permanently disabled and unable to work, which can help cover your ongoing living expenses.

2. Access to medical treatment: TPD insurance can provide financial support to help cover the cost of medical treatment and rehabilitation services that may be required after a disabling event.

3. Cover for debts and expenses: The lump sum payment received from TPD insurance can be used to pay off outstanding debts and cover other expenses that may arise due to your disability.

4. Tax benefits: TPD insurance premiums may be tax-deductible, which can help reduce your taxable income.

5. Customizable policies: TPD insurance policies can be tailored to your individual needs, allowing you to choose the level of coverage and benefits that suit your circumstances.

6. Peace of mind: TPD insurance can provide peace of mind that you and your family will be financially protected in case of a permanent disability.

It's important to note that TPD insurance policies can vary in terms of their coverage and benefits, so it's important to do your research and choose a policy that meets your specific needs and circumstances.