Coping with the permanent loss of one's earning powers is never easy
During the difficult period, Total & Permanent Disability Benefit is vital to the financial security of every wage-earner.
![](https://www.yflife.com/sites/default/files/benefits/image/Asset%2037%404x_11.png)
![](https://www.yflife.com/sites/default/files/benefits/image/Asset%2067%404x_9.png)
- This benefit provides extended coverage with an advance on your death benefit, 20% of which will be paid six months after the commencement of disability
- Should you suffer prolonged disability for more than 18 months, the remaining 80% of your death benefit will be advanced to you as well
- This benefit covers the occurrence of any one of the following; in which case the benefit will be paid immediately
- Loss of sight of both eyes;
- Loss of any two limbs; or
- Loss of sight of one eye and one limb
![Issue Age (At Last Birthday) Issue Age (At Last Birthday)](https://www.yflife.com/sites/default/files/features/image/Artboard%20%E2%80%93%203%202_46.png)
Age 18 - 55
![Benefit Term Benefit Term](https://www.yflife.com/sites/default/files/features/image/Artboard%20%E2%80%93%2016_50.png)
Up to Age 65 / 10 Years
![Premium Payment Term Premium Payment Term](https://www.yflife.com/sites/default/files/features/image/Artboard%20%E2%80%93%2017_46.png)
Same as Basic Plan / Every Year / Every 5 Years / up to Age 65 / 10 Years
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