Total permanent disability insurance

It's easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again.

Does your cover go far enough? 

How would your family or your business cope if you were permanently disabled? Do you have a plan to provide for them? What would happen to your future plans, and theirs?

Did you know?

  • Of adults with a disability, for 42%, it was caused by disease or illness. 1
  • 47% of adults impaired by accident or injury reported that the accident or injury occurred at work. 1
  • Every day about 24 New Zealanders have a stroke. A quarter occur in people under 65. 2

How it works

Sovereign Total Permanent Disablement (TPD) cover provides a lump sum in the event of total permanent disability caused by accident or illness, and you can choose how to spend it. It might be paying off the mortgage, getting the best medical care, improving access to your home and workplace, or ensuring your business survives.

With total permanent disability insurance, you can choose to be covered for any occupation or just your usual occupation.

Key recent enhancements

For further information about these and other enhancements, please contact your adviser or refer to the Life Cover customer guide or policy document.

What next

Quick estimate

Use our handy online tools to see how little your cover could cost in just seconds.

Expert advice

A personalised quote with the best option for you from one of our experts - no cost or commitment to buy.

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Buy online

Organise your cover online - get a quote and apply in under 15 minutes.

Get started

Apply online via KiwiCover, Sovereign's trusted online insurance partner.


Want to know more?


1. 2013 Disability Survey, Statistics New Zealand
2. The Stroke Foundation of New Zealand, 2014

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.


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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.