Total Permanent Disability Cover
Total Permanent Disability Cover is a type of insurance that covers the insured that is no longer able to work due to permanent disability.
Accident or illness may come to anyone anytime and is normally troublesome due to the cost and disability they bring not just to the insured but to the family as well. It is the fear of many because it can totally change your world upside down when this happens.
Don’t let your peace of mind be taken away from you by taking out this cover that can provide you with a lump sum payment if you become permanently disabled.
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Who can get covered?Anyone who is a New Zealand Citizen or Permanent Resident can get covered.
How much will it cost me to get a Total Permanent Disability Cover?The amount of premium depends on several factors: age; gender; smoking status; occupation and; sum insured. Get quotes or book a meeting here to get an idea of how much it will be for your current status.
Will it cost me money to get your expert advice and assistance?No. Definitely not. Our expert advice and assistance are free. The price we quote you is exactly what you’ll get when you go directly to the insurer.
How are the benefits paid out?You will receive a lump sum payment in case of inability to work due to permanent disability.
What are my payment options?Most insurers would let you pay through Direct Debit or Credit Cards. There are different payment frequencies available too like weekly, fortnightly, monthly, quarterly, and yearly. Most people choose fortnightly, but you can choose whichever you think suits you best.
What happens if I don’t pay my premiums on time?Usually, insurers will give you time to update your payment details for up to three months. Otherwise, after the said period, your policy will be canceled.
Do insurers offer money-back guarantees?Yes. All of the insurers have a 14-day free look period. Upon receiving your policy document, you have up to 14 calendar days to cancel it and your paid premiums will surely be refunded back to you.
Do I need to update you of the changes in my circumstances?Yes. Please let us know via email anytime so we can update the insurer as well.
How do I file a claim?You can file a claim directly to the insurer or through us, then we will contact the insurer for you. We are also here to help you negotiate the claims you have in case you need any in the future.
I’m not satisfied with my existing cover, can you help me look for a better one?Definitely, we are experts in comparing different insurance providers. Just let us know what your existing cover is, and we’ll match it with something better for your circumstances. Talk to an expert now to know your options.
Can I cancel my cover anytime?Yes, you can cancel your cover anytime you think appropriate. However, we strongly recommend that you keep it for your own protection or for your family’s sake.
What if I have other questions or concerns that are not listed here?That’s not a problem. Just chat with us or click here to book a meeting with an expert.
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