TPD Insurance Calculator
Total & Permanent Disability cover need and premium.
NZ$
Indicative monthly premium
$39.58
On $500,000.00 of TPD cover
| Sum insured | $500,000.00 |
|---|---|
| Monthly premium | $39.58 |
| Annual premium | $475.00 |
About this calculator
TPD pays a one-off lump sum if you become totally and permanently disabled. Use it to pay off the mortgage and adapt the house, while income protection covers ongoing living costs.
- 'Own occupation' definition is more generous (and more expensive) than 'any occupation'.
- Often bundled with life cover at a discount.
Frequently asked questions
How is it different from trauma?
Trauma pays on diagnosis of a listed critical illness regardless of whether you can work. TPD only pays if the disability is total and permanent.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.