What it is
TPD insurance pays a tax-free lump sum if an illness or injury leaves you permanently unable to work. It's there for the situations no one likes to think about, where returning to your job just isn't possible.
Why it matters
It sits nicely alongside Life, Trauma and Income Protection. Where income protection tops up your monthly income, TPD gives you a one-off sum to clear the mortgage, adjust the house, or fund long-term care. It fills a gap the others don't quite reach.
Who it's for
Common misconceptions
"ACC will sort me out."
The reality: ACC mainly covers accidents. TPD also covers illness, and pays a lump sum rather than a top-up.
"It's the same as income protection."
The reality: Income protection pays monthly while you recover. TPD pays once, when you can't work again at all.
"I'll never need it."
The reality: None of us plan to, but a permanent disability changes everything. This is the cover that steadies things financially.
How we help
Have a free chat
Tell us a bit about your situation, in the language you prefer. There's no obligation.
Meet the right adviser
We'll put you with a licensed adviser who fits what you need.
Talk it through
Your adviser explains your options in plain language, no jargon.
We stick around
We're here before, during and after, including reviews and help at claim time.