Permanent Disability

Support your family

In the event of permanent disability would you want your family to be taken care of? Where would the income come from to provide for them?

What changes to your lifestyle would happen and how would you pay for assistance to help your family look after you?

What liabilities and guarantees would you need to be met?

What assets might be sold and how long would it take?

How good is life on the sickness benefit really?

If you are in business and there are other partners to deal with if one of the partners is permanently disabled can you afford to buy him out?


Disability insurance (TPD)

Total and Permanent Disability (TPD) pays a lump sum if you are unable to work again due to a disability. This money is often used to:

  • pay off debts
  • reconfigure housing arrangements
  • provide an income stream
  • tend to medical, rehabilitation or nursing costs
  • buy out a business partner who is disabled to enable the business to continue

Malcolm Powell


Direct Insurance Brokers

32 Graham Avenue,
Te Atatu Peninsula, Auckland 0610
Tel: 0800 088 118