PERSONAL, FAMILY AND BUSINESS RISK AND MEDICAL INSURANCE IN AUCKLAND AND THROUGHOUT NEW ZEALAND
Total Permanent Disability Insurance
That’s where Total Permanent Disability (TPD) Insurance steps in. At Immerse Life, we offer TPD coverage that helps protect your
family’s future and gives you the freedom to focus on recovery—not finances.
Why You Need TPD Insurance
If you became permanently disabled tomorrow, how would you cover:
Your mortgage or rent?
Ongoing medical treatments or specialist equipment?
Day-to-day household expenses?
The emotional toll of adjusting to a new life?
A TPD policy gives you a one-time, tax-free lump-sum payment so you can focus on adapting—not just surviving.
What’s Included in Your Immerse Life TPD Cover
Lump-Sum Payout: Use it for medical costs, home modifications, living expenses, or debt repayments.
Home or Vehicle Modification Benefit: Receive up to $15,000 to help make your home or vehicle accessible for your new circumstances.
Financial & Legal Advice Benefit: Get reimbursed up to $2,500 to receive professional advice when making a claim.
Future Insurability: Increase your coverage every 3 years without new medical checks.
Waiver of Waiting Period: Immediate payout possible if your condition meets criteria—no need to wait 3 months.
Partial Permanent Disability Benefit: Even partial loss (e.g., one hand, one eye) may qualify you for up to 25% of your sum assured
Premium Flexibility: Switch to a level premium structure anytime—no extra medical exams needed.
Suspension Option: Going on parental leave or taking time off? Suspend your premiums for up to 12 months.
Why You Need TPD Insurance
If you became permanently disabled tomorrow, how would you cover:
Your mortgage or rent?
Ongoing medical treatments or specialist equipment?
Day-to-day household expenses?
The emotional toll of adjusting to a new life?
A TPD policy gives you a one-time, tax-free lump-sum payment so you can focus on adapting—not just surviving.
You Deserve Financial Security—Even If Life Doesn’t Go as Planned
Total Permanent Disability can take a toll not only on your body, but your financial peace of mind. With Immerse Life, you’re not buying a policy—you’re securing a purpose-driven plan that protects your family’s legacy.
