Total and Permanent Disablement

It’s easy to take good health for granted but sometimes we become ill or have a serious accident that means we may never be able to work again or perform everyday activities without physical assistance.  Should you become totally and permanently disabled, this cover provides a lump-sum payment that can help you pay for unexpected medical bills, possible modifications to your home, or in-home care.  It can also help pay off your mortgage or cover other everyday living expenses, giving you the best quality of life and financial stability when you need it the most.

If you run a business, Total and Permanent Disablement Insurance can also help cover the cost of staff replacement, re-training, reducing debt, succession planning, office modifications or other business related expenses to help protect your business’ future.


Everyday, 21 people suffer a stroke in New Zealand.   One quarter occur in people under 65 years of age.*


* The Stroke Foundation website, 2012