TOTAL & PERMANENT DISABILITY COVER (TPD)

TOTAL & PERMANENT DISABILITY COVER (TPD)

Why do I need total & permanent disability cover?

TPD insurance protects you if you were to lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.

Let’s protect your family together.

TPD is insurance cover designed to provide a lump sum that can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide.

Secure your world, your way.
Explore tailored TPD coverage that suits your life.

 FAQs

  • To make a TPD insurance claim in New Zealand, the insured or their representative typically needs to provide evidence of the total and permanent disability as defined in the policy. This may include medical reports, assessments, and other relevant documentation.

  • TPD insurance can be purchased as a standalone policy, but it is also commonly offered as a rider or add-on to life insurance policies. Bundling TPD with other types of insurance may provide more comprehensive coverage.

  • Yes, TPD insurance policies often have a waiting period, also known as the deferred period. It's the period of time that must pass after the total and permanent disability occurs before the benefit becomes payable.

  • I have trusted my insurance needs to Craig Smith of Smiths Insurance & KiwiSaver for a number of years. They have served me and my family well, knowing that we are well covered with the best policy on the market if the unexpected was to happen.

    Steve Kennedy / Director, EQ Consultants

  • I have been working with Craig Smith as my insurance broker for the past 10 years and I have nothing but great things to say about him. He is knowledgeable, professional, and always available to answer any questions I have. He has helped me find the best insurance coverage for my needs at the best price. I highly recommend Craig Smith as an insurance broker.

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  • I have been working with Craig Smith as my insurance broker for several years now and I have always been impressed with his reliability and efficiency. He is always available to answer any questions I have and makes sure I get the best coverage for my needs. I highly recommend Craig Smith as an insurance broker.

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  • I have had the pleasure of working with Craig Smith as my insurance advisor. He was incredibly reliable and professional throughout the entire process. He was always available to answer any questions I had and made sure I was fully informed of all my options. I highly recommend Craig Smith.

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  • Craig Smith really adds value service and understands the industry well. Give him a try he won’t let you down.

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