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What is TPD Insurance?
If you become completely/permanently disabled through illness or injury, you may only receive limited ACC cover or a basic sickness benefit. If you lose your income, you may face extra costs to assist with your daily living such as alterations to your house or paying for care. Having Permanent Disability Cover can help minimise the financial impact and allow you to make choices about the care or treatment you may require.
Why Consider Total and Permanent Disability insurance?
Total Permanent Disablement insurance, often referred to as Total Permanent Disability insurance or TPD insurance, provides financial support in the event you become permanently disabled and are unable to work due to serious illness or injury.
Sometimes being permanently disabled is more expensive than being dead. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income.
This is where we can help you. By completing a need analysis, we will be able to guide you through this process. Amount vary between individuals and depended on a number of factors – How much money you need for retraining, do you want your debts paid off, do you need to create a investment fund etc.