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.

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?

How disability insurance 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.

Download Total Permanent Disablement customer guide

Download Total Permanent Disablement (Personal) policy wordings


Optional benefits

Accidental Injury Cover
Short-term financial support, helping you continue daily life while recovering from an accidental injury. Read more

Specialist and diagnostic testing
This benefit can help you access the best specialist care available, and get the diagnostic tests or essential treatment you need. Read more

Key recent enhancements

Special Events Increase Facility
You are able to increase your TPD Benefit following a set list of milestone events in your life without providing medical evidence.

Increased Financial Advice Benefit to $2,500
If you receive a TPD claim payment, you are eligible to claim up to $2,500 for the cost of financial advice from an eligible adviser.

For further information about these and other enhancements, please contact your adviser or refer to the 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.

Request a call back

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.


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.