TPD insurance

Cover against long-term disability

Cover yourself if you are prevented from returning to work

Total permanent disability insurance (also known as total and permanent disablement insurance) pays out a lump sum or ongoing payments if a permanent disability prevents you from returning to work. If you have an accident or serious illness that compromises your earning power, TPD insurance can help cover costs such as medical treatments, ongoing household expenses, employing a caregiver, modifying your home or vehicle or buying specialist medical equipment. TPD insurance provides a safety net for you and your family to protect your lifestyle as you adjust to your new circumstances.


Provides financial support if you can’t return to work due to a permanent disability
Gives financial support for care and rehabilitation
Can offer benefits such as rehabilitation support and return-to-work programmes
Financial security to reduce stress and worry when things go wrong

Frequently asked questions

When does a TPD insurance claim pay out?

A TPD insurance claim typically pays out once all medical evidence has been provided, and the insurer has confirmed that the policyholder meets the definition of “total and permanent disability” as outlined in the policy.

Can I combine TPD insurance with other types of insurance?

Yes, TPD insurance is often bundled with life insurance, but it can also be combined with other types of insurance like income protection or trauma insurance

Does TPD insurance cover pre-existing conditions?

Coverage for pre-existing conditions varies depending on your specific policy and insurer. Some insurers might choose to cover these conditions, while others might exclude them or adjust premiums accordingly. At NZ Insurances, we act as your advocate. We encourage you to tell us your full medical history when applying, as it allows us to understand your unique situation. With this complete picture, we can negotiate on your behalf, striving to secure the most comprehensive and appropriate coverage for your circumstances. Remember, we're on your side, and your full disclosure aids us in achieving the best results for you.

How is 'total and permanent disability' defined?

The definition of “total and permanent disability” can vary between insurance providers. Generally, it means you're unable to work in your own occupation, or any occupation, due to a serious illness or injury.

Who needs TPD insurance?

Anybody who relies on their ability to earn an income, particularly those with financial commitments or dependents, can benefit from TPD Insurance. It provides financial security when you're unable to work due to a serious illness or injury.

What is total and permanent disability (TPD) insurance?

TPD insurance provides a lump sum payment if you're totally and permanently disabled due to illness or injury, and unable to work again. This financial support can help cover medical expenses, repayments on debts, and living costs.

Are you fully covered?

Take a closer look at these insurance policies. Get in touch for a free quote to make sure you have comprehensive coverage for your lifestyle and budget.

Our dedicated team

We’ll seek out the best policy and package for your circumstances, no matter who the provider is, and we’ll bat for you if you need to make a claim.
Our knowledgeable insurance advisers are dedicated to keeping Kiwi families’ income and investments safe and secure through quality insurance.
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