It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again. Does your cover go far enough? How would your family or your business cope if you were permanently disabled? Do you have a plan to provide for them? What would happen to your future plans, and theirs?   Food for thought...

• At the time of the 2006 census twenty percent of New Zealanders lived with a disability, with accidents or injuries the most common cause of disability for adults aged 15 to 44 years. (1)
• There are an estimated 60,000 stroke survivors in New Zealand. Many are disabled and need significant daily support. (2)
• In New Zealand, there are approximately 300 people suffering from Motor Neurone Disease at any one time. Around 100 people are diagnosed with the disease and 100 people die every year. (3)

How it works

Total Permanent Disablement (TPD) cover provides a lump sum in the event of total permanent disablement caused by accident or illness, and you can choose how to spend it. It might be paying off the mortgage, getting the best medical care, improving access to your home and workplace, or ensuring your business survives.

With TPD protection, you can choose to be covered for any occupation or just your usual occupation.