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J-P Hale

Having helped Anand with some of this, TPD is a very high bar of disablement, and the sums vs the premiums are often out of whack with the comparable trauma cover. So the bar is deliberately high and hard.
By QPR’s own stats a TPD claim gets paid half as often as a death claim, that should be an indication that TPD claims can be painful.

The surprising piece is with own occupation class 3 & 4 products, knees and joints are how potentially TPD claims for the more manual end of these occupations, something the insurers may not have anticipated well.

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