diff --git a/daemon/src/policy_apply.rs b/daemon/src/policy_apply.rs
index cc903fe..14bc295 100644
--- a/daemon/src/policy_apply.rs
+++ b/daemon/src/policy_apply.rs
@@ -93,27 +93,72 @@ pub(crate) fn render_profile(p: &Policy) -> String {
                 .any(|m| matches!(m, authforge_common::types::Method::Fido2))
     });
 
+    #[cfg(feature = "totp")]
+    let any_required_totp = p.stacks.values().any(|s| {
+        s.mode == Mode::Required
+            && s.methods
+                .iter()
+                .any(|m| matches!(m, authforge_common::types::Method::Totp))
+    });
+
     // Recovery line runs first on every login attempt: PAM_IGNORE when
     // there's no recovery file (cheap stat), PAM_SUCCESS via [success=done]
     // when the user typed a valid recovery code (short-circuits the rest of
     // the auth stack), PAM_IGNORE otherwise. `default=ignore` keeps a
     // missing recovery file from blocking normal auth.
-    let recovery_line =
-        "        [success=done default=ignore]         pam_authforge_pending.so mode=recovery";
+    let mut lines: Vec<String> = Vec::new();
+    lines.push(
+        "        [success=done default=ignore]         pam_authforge_pending.so mode=recovery"
+            .to_string(),
+    );
 
-    let main_lines = if any_required_fido2 {
-        // Per design doc § pam-auth-update profile.
-        "        [success=ok default=1 ignore=ignore]   pam_u2f.so cue authfile=/etc/u2f_mappings\n        [success=ok default=die]               pam_authforge_pending.so".to_string()
+    // TOTP slot (when present): runs between recovery and FIDO2. die-on-fail
+    // so a wrong code is fatal without falling through to other methods.
+    #[cfg(feature = "totp")]
+    if any_required_totp {
+        lines.push(
+            "        [success=ok default=die]               pam_google_authenticator.so secret=/etc/google-authenticator/${USER}"
+                .to_string(),
+        );
+    }
+
+    if any_required_fido2 {
+        lines.push(
+            "        [success=ok default=1 ignore=ignore]   pam_u2f.so cue authfile=/etc/u2f_mappings"
+                .to_string(),
+        );
+        lines.push(
+            "        [success=ok default=die]               pam_authforge_pending.so".to_string(),
+        );
     } else {
         // Policy doesn't require fido2 anywhere — only the pending-flag
         // backstop is active. pam_u2f is left to the admin's own stack edits.
-        "        [success=ok default=die]               pam_authforge_pending.so".to_string()
+        lines.push(
+            "        [success=ok default=die]               pam_authforge_pending.so".to_string(),
+        );
+    }
+
+    let auth_lines = lines.join("\n");
+
+    // `Default: yes` whenever any factor is required; auto-enable the profile
+    // so admins don't have to run pam-auth-update manually.
+    let default = if any_required_fido2 {
+        "yes"
+    } else {
+        #[cfg(feature = "totp")]
+        {
+            if any_required_totp {
+                "yes"
+            } else {
+                "no"
+            }
+        }
+        #[cfg(not(feature = "totp"))]
+        {
+            "no"
+        }
     };
 
-    let auth_lines = format!("{recovery_line}\n{main_lines}");
-
-    let default = if any_required_fido2 { "yes" } else { "no" };
-
     format!(
         "Name: Dangerous Things authforge MFA\nDefault: {default}\nPriority: 192\nAuth-Type: Additional\nAuth:\n{auth_lines}\n"
     )
@@ -195,6 +240,51 @@ mod tests {
         assert!(body.starts_with("Name: Dangerous Things authforge MFA"));
     }
 
+    #[cfg(feature = "totp")]
+    #[test]
+    fn render_required_totp_includes_pam_google_authenticator() {
+        let mut stacks = BTreeMap::new();
+        stacks.insert(
+            "sudo".to_string(),
+            StackPolicy {
+                mode: Mode::Required,
+                methods: vec![Method::Totp],
+            },
+        );
+        let p = Policy {
+            stacks,
+            ..Default::default()
+        };
+        let body = render_profile(&p);
+        assert!(body.contains("pam_google_authenticator.so"));
+        assert!(body.contains("secret=/etc/google-authenticator/${USER}"));
+        assert!(body.contains("Default: yes"));
+        // TOTP line lives after recovery, before fido2 backstop.
+        let recovery_idx = body.find("mode=recovery").unwrap();
+        let totp_idx = body.find("pam_google_authenticator.so").unwrap();
+        assert!(recovery_idx < totp_idx);
+    }
+
+    #[cfg(feature = "totp")]
+    #[test]
+    fn render_no_totp_when_only_fido2_required() {
+        let mut stacks = BTreeMap::new();
+        stacks.insert(
+            "sudo".to_string(),
+            StackPolicy {
+                mode: Mode::Required,
+                methods: vec![Method::Fido2],
+            },
+        );
+        let p = Policy {
+            stacks,
+            ..Default::default()
+        };
+        let body = render_profile(&p);
+        assert!(!body.contains("pam_google_authenticator.so"));
+        assert!(body.contains("pam_u2f.so"));
+    }
+
     #[test]
     fn apply_rolls_back_on_failure() {
         let d = tempdir().unwrap();