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Trauma & Critical IllnessTrauma & Critical illness - Living Assurance

Have you ever thought about the financial side effects of a serious illness? TotalCareMax Living Assurance is designed to pay a lump sum if you are diagnosed with a specific critical condition.

It helps you to survive financially while you take the time you need to recover.

Benefits of TotalCareMax Personal - Living Assurance
• Pays a lump sum of up to $2 million, depending on the level of cover you choose, if you suffer from a specified condition.

• Choose between two types of cover – Trauma Comprehensive and Trauma Essential.

• Living Assurance (Trauma) Benefit Comprehensive covers the full sum assured for all specified serious health events except carcinoma-in-situ and angioplasty (two vessels or less), which qualify for a partial payment.

• Living Assurance (Trauma) Essential covers 12 serious health events for the full sum assured, with a partial payment for all the other 30 events.

• We’ll pay up to $1,500 for professional financial advice, to ensure you get the most benefit from a lump-sum payout.

If you have TotalCareMax Personal - Life Cover, a Living Assurance claim can be treated as an early (accelerated) payment of your life cover policy. This benefit can reduce the cost of premiums.

Life Cover buy-back allows you to have life cover reinstated after an accelerated Living Assurance claim, without having to provide further medical evidence.*

*Sovereign’s standard terms and conditions apply.

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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- "to call an adviser".

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on 0800 238 626


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Gregor Mansfield
Insurance Adviser