Total and Permanent Disability Cover

Would your vehicle be suitable to accommodate your transport needs if you were wheelchair bound?

How about your home? Does it have wheelchair access and wider hallways to accommodate for your new needs?

Do your savings allow for these short and long term requirements?

The costs associated with this type of permanent disability are often not thought about until it’s an issue and when it is often urgent!

What is Total and Permanent Disability Cover?

The accident or illness causes you to be diagnosed as totally and permanently disabled. So you will get a lump sum or monthly pay out to fund your future medical bills and living expenses for you and your family. 

The benefits of Total and Permanent Disability Cover

This cover allows you can now cover medical costs associated with being disabled. It’s easy to apply for by contacting Sarah on 021 343 655 or email on sarah@aisnz.co.nz    

Other benefits that you can now add to disability cover include:

  • A partial benefit of up to $75 000 may be payable on the loss of use of a limb or sight in one eye           
  • We pay our premiums-basically insurance for a Total and Permanent Disability insurance policy
  • Level Term Cover-this allows you to keep the premium the same each year up to age 90.

Also if added to life cover you can select an accelerated or stand-alone benefit. 

Common questions about Total and Permanent Disability Cover

How much Total and Permanent Disability cover do I need?

The level of cover you choose will depend on your needs. Things you'll need to consider:

  • Do you have a mortgage to cover?
  • So how about credit the card debt or any other hire purchases?
  • Will your partner survive with a loss of your income?
  • Do you have enough money to cover for additional medical expenses?

Can I use my Total and Permanent Disability cover on anything?

If your claim is accepted, it's up to you to decide how to use the money. Hence maybe you'll need to settle debt e.g. your mortgage, day-to-day bills, extend passage ways in your house or buy a more suitable car if you were paralysed.

Can my spouse/partner be covered too?

We don't offer joint cover but your partner can apply for Total and Permanent Disability Cover separately.

We are here to help you discover the right Disability Cover Insurance for your needs.

For more information on Total and Permanent Disability insurance cover please contact us. So we can help you with any questions you might have, and to help you into the best option for you and your family.

Get the right Disability Cover Insurance

To see how insurance cover would best suit you and your circumstances feel free to our Insurance Adviser, Sarah Bately.

Contact Sarah >

Latest News

Miller, Scott
27 May 2024

Published by Scott Miller

  • Great experience chatting with Sarah about our insurances. She’s very knowledgeable and explains everything clearly, always makes sure that we have all the information to make an informed decision about how and where is the best place to put our money. Also helps that she’s absolutely lovely and very easy to talk to
    Sarah Martin - 22 May 2024
  • Scott has been absolutely incredible. I was initially hesitant to use a broker but I am beyond glad I did. Prompt, insightful, and reliable - will be using his services into the future.
    Kaleb McCall - 17 May 2024
  • We have never used a Mortgage Broker in the past and Scott Miller was amazing and made our refinancing journey very simple and straightforward. He is very knowledgeable and professional; would highly recommend Advanced Mortgage Solutions to anyone.
    Many thanks Scott.
    Alison and Colin Philip - 10 May 2024
  • I chose to work with Greg to help me buy my first home and I'm so glad I did! I honestly can't recommend him enough, he made the whole process so easy and stress free, helped me every step of the way to understand what I needed to do next and a lot of the time was doing all the work for me. Such an absolute pleasure to deal with, I sincerely appreciate everything so much and will be referring everyone I know your way!
    Cara Eve - 02 May 2024
  • For anyone considering or even contemplating a broker + advisor combination, look no further! I consider myself loyal to those who are strong to their word, provide genuine help and are able to put it in plain English so I can make an informed decision based on my circumstances.
    Leith Skinner - 30 April 2024