Trauma & Total Permanent Disablement (TPD) Insurance
Financial Support When Life Changes Suddenly
A serious illness or permanent disability can change life in an instant; physically, emotionally, and financially. Trauma and Total Permanent Disability (TPD) insurance provide financial support when you need it most, helping reduce stress so you can focus on recovery or adjusting to a new reality.
Trauma insurance pays a lump sum if you’re diagnosed with a covered critical condition such as cancer, heart attack, or stroke. TPD insurance provides a lump sum if illness or injury leaves you permanently unable to work. As an independent insurance broker based in Hawke’s Bay, we help clients across New Zealand put this cover in place clearly and thoughtfully, so it supports real life, not just worst-case scenarios.
Trauma & TPD Insurance That Fits Your Life
Trauma and TPD insurance are designed to provide financial flexibility at times when income may stop, costs increase, and priorities shift.
Trauma insurance can help if you’re diagnosed with a serious condition by providing funds to:
Cover treatment or medical costs not funded publicly
Take time off work to recover
Reduce or clear debt such as a mortgage
Adjust your lifestyle or home if needed
TPD insurance is about longer-term security. If you’re permanently unable to return to work, the payout can help with:
Paying off your mortgage or rent
Ongoing medical or rehabilitation costs
Protecting your family’s financial future
Creating stability when work is no longer possible
We’ll help you decide:
Whether Trauma, TPD, or a combination makes sense
How much cover is appropriate
How this fits alongside life and income protection
What’s realistic for your budget now, with flexibility for the future
This type of cover is especially relevant for professionals, business owners, and anyone whose lifestyle or family relies on their ability to work.
Ready to Get Started?
If you’re unsure whether Trauma or TPD insurance is right for you, or whether your existing cover still fits your life, a conversation is the best place to start.
We’ll take the time to understand your situation, explain your options clearly, and help you decide what makes sense for your health, income, and future.
