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    • Personal >
      • Life Insurance
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      • Permanent Disability Cover
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      • Business Debt
  • Blog
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Permanent Disability Cover

Permanent disability insurance can provide a lump sum payment in the event that you become totally and permanently disabled.
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This gives you the flexibility to reduce debt or pay for the things you’ll need for a better quality of life. You may even need to make adjustments to where you live, or re-assess your partner’s ability to work while caring for you.
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Some facts about permanent disability in New Zealand:
  • 92,700 adults (3% of the adult population in NZ) have a disability that requires a high level of support.
  • Disease or illness is the most common cause of disability in adults, followed by accidents or injuries.
  • The most common causes of claims for Permanent Disability Cover are cardiac conditions, back injuries and neurological disorders.
  • The average age of a claimant on a Permanent Disability Cover policy is 43.
  • The largest claim made on a Permanent Disability Cover policy at Tower was for $331,453 for a subarachnoid haemorrhage (bleeding into the brain) in 1999.​

We'd love the opportunity to learn about your unique circumstances so that we can think carefully about the appropriate solutions for you. Drop us a line using the form below and we'll get in touch with you to discuss. It does not hurt to know how much it would cost.
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