Critical Illness (Trauma Cover) Total and Permanent Disability Insurance (TPD) ![]() | Waiver of Premium BenefitWaiver of premium (WOP). Where WOP is not a built-in benefit* it can be added on to some products as an optional extra. It removes the burden of paying premiums when you are unable to work due to total disability, saving you money when you need it most. Even though you may be disabled, you will still need to keep your life insurance and other covers going. *WOP is built in to most Income Protection and Mortgage repayment benefits. « Prev Page - ACC for the self-employed |