Reduce debt
A lump sum can help reduce mortgage or personal debt if work is no longer possible.
Cover for permanent disability risk.
Total and permanent disability insurance can provide a lump sum if illness or injury leaves you permanently unable to work under the policy definition.
Protect against a permanent loss of earning ability.
A permanent disability can change income, housing, care and family plans. TPD cover is designed to provide a lump sum when a severe illness or injury meets the insurer's permanent disability criteria.
We explain the policy definitions and help compare options that match your work, responsibilities and budget.
- Understand own occupation and any occupation definitions
- Compare standalone and bundled options
- Plan cover around mortgage and long-term needs
- Review affordability and exclusions
How TPD cover may be used.
Adapt your home
Funds may support accessibility changes, equipment or care needs.
Support family plans
Cover can help replace some of the future income your household expected.
What to compare.
- Policy disability definitions
- Occupation-specific wording
- Waiting periods and claim requirements
- How TPD interacts with life and trauma cover
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
What does total and permanent disability mean?
The exact meaning depends on the policy. It usually relates to being permanently unable to work in your own or any suitable occupation.
Is TPD paid monthly or as a lump sum?
TPD is generally paid as a lump sum once the insurer accepts the claim.
Compare options across leading New Zealand lenders.
Ready to review your insurance options?
Tell us what you want protected and we will help you compare cover options that fit your family, lending and income needs.