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Total Premenent DisablementoTotal Permanent Disablement

Did you know that 29% of New Zealanders will be diagnosed with long-term illness or disability at some time in their life?1 This type of cover provides a lump sum in the event of total permanent disablement caused by accident or illness.
1.Statistics New Zealand, 2004

Benefits of TotalCareMax Personal - Total Permanent Disablement (TPD) cover
   • A lump-sum payment for total permanent disablement due to accident or illness.
   • You can choose to be covered for any occupation or just your usual occupation.
   • If you have TotalCareMax Life Cover, a Total Permanent Disablement (TPD) claim can be treated as an early (accelerated) payment of your life cover policy. This benefit can reduce the cost of premiums.
   • We’ll pay up to $1,500 for professional financial advice, to ensure you get the most benefit from a lump-sum payout.

What is 'Total Permanent Disablement'?

The term ‘Total Permanent Disablement’ refers to the end result of illness or accident. It means you:
a) Can’t do your own job or another job which your skills may be suited to; or
b) Suffer loss of limbs or sight; or
c) Can’t perform at least two of the following activities without the physical assistance of someone else:

   • Bathing and showering
   • Dressing and undressing
   • Eating and drinking
   • Using a toilet
   • Moving from place to place by walking, in a wheelchair, or with a walking aid.

Total Permanent Disablement also applies if you are unable to perform one of the activities noted above, and your intellectual capacity has reduced or deteriorated to such an extent that you require permanent and constant supervision.

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.


Steve has made it possible for our family to growth wealth and safeguard ourselves with the right insurance package...
- Gary & Lois Birkett

Steve spent time with me working through my insurance requirements and making changes and recommendations. His communication with the underwriters and myself was excellent...
- Bryce Frewin

When you need personal insurance advice to protect your loved ones, life, health and mortgage, then the insurance brokers/advisers
at ADVOCO will get you covered...

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on 0800 238 626


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Gregor Mansfield
Insurance Adviser