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 Scott on 03 980 4541 or email on scott@amsnz.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, Shane Blummont.

Contact Shane >

Latest News

Miller, Scott
24 March 2020

Published by Scott Miller

Today's announcement on Mortgage Holidays

With today’s announcement by the Finance Minister about 6-month mortgage holidays, we have been inundated by enquiries from our clients.

  • Scott just helped us get a mortgage for the first time and was the most helpful out of all the professionals we dealt with, and gave the most useful advice.
    Mark and Stephanie Chin - 20th November 2015 - 20 November 2015
  • My wife and I have been dealing with Scott Miller for several months now, and his treatment of us and his handling of our home mortgage has been nothing short of PERFECTION.
    Dan and Wendy Koster - 6th August 2015 - 06 August 2015
  • Scott was great, made the whole process easy.
    Morteza Alizadeh Dahaneh Sari and Kobra Alari - 9th October 2014 - 09 October 2014

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