So let's say you have a toy that you really love, and you use it every day to play with. You take really good care of it, but one day it gets broken and you can't play with it anymore.
Now imagine that instead of a toy, we're talking about your body. Your body is your most important thing, and you use it every day to do all sorts of things like walking, talking, and playing.
Total permanent disability insurance is like a special kind of insurance that you can get to protect your body in case something happens and you can't use it anymore. If you get hurt or sick and you can't work or do the things you used to do, this insurance will make sure you have enough money to take care of yourself and your family.
It's like having a really good repair shop for your body, and if your body can't be fixed, the insurance will make sure you're taken care of. It's important to have because if you don't have it, you might not be able to pay for all the things you need if you can't work or take care of yourself.