A healthy body is a priceless possession, and maintaining it is a wise investment
Invest in Total and Permanent Disability Insurance (TPD) Get A QuoteContact usWhy do I need Total & Permanent Disability Insurance?
Priorities the need to have essential Insurance
In some cases, unforeseen events can have a profound impact on our lives. Whether it’s an accident or a serious illness, these incidents can result in total and permanent disability, which can affect our ability to work and provide for our families, total and permanent disability insurance can be considered as best financial investment in such cases, to ensure that you and your loved ones do not have to make financial sacrifices in daily lives we can help you with choosing the Insurance that suits your need.
Financial Security
Transition to a new career
Invest in education or start a business, and an individual may be able to build a new career that is better suited to their current abilities and circumstances using the insurance benefits.
Covers Long-Term Care
Total and Permanent Disability (TPD) insurance covers the cost of long-term care, including rehabilitation, nursing care, and other medical expenses.
No Restrictions on Use of Fund
The insurance money can be used for any purpose, providing flexibility and freedom in how the funds are used
What is considered as Total and Complete Disability (TCD)?
Own Occupation: Own occupation cover provides a benefit if the insured person is unable to return to their pre-disability occupation due to a permanent disability resulting from an illness or injury.
Any Occupation: Any occupation cover provides a benefit if the insured person is unable to work in any occupation that is appropriate for their work experience or education due to a permanent disability resulting from an illness or injury.
Modified TPD/Non-Occupational Cover:
Modified TPD or non-occupational cover may be available for individuals who are not in paid employment or not eligible for their own occupation or any occupation cover.
This type of cover may provide benefits if the insured person experiences permanent cognitive impairment, loss of limbs, blindness, or is unable to perform certain activities of daily living without physical support from another person TPD cover for both own occupation and any occupation.
Some insurance policy offer TPD cover for specific medical conditions, such as Alzheimer’s disease, Multiple Sclerosis, and Paralysis, which can result in a permanent disability that prevents the insured person from working ever again.
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Address:
P.O. Box 14124, Five Cross Roads, Hamilton 3252
Mail Us For Information:
info@smartlife.co.nz
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