DISABLEMENT INSURANCE

Are you taking your good health for granted?

Life doesn't always turn out the way we plan. Sometimes we become ill, or have an accident, and if it's serious, we might be left unable to work.

How would you and your family cope if you were permanently disabled?

WHAT IS IT?

Total Permanent Disablement(TPD) cover provides a lump sum and financial peace of mind, in the event of total permanent disablement through illness or accident.

GOOD REASONS TO HAVE TPD COVER

• THE UNEXPECTED
  Accidents do happen. Four out of ten New Zealanders suffer some type of disability or long-term illness before the age of 65*
• PAY OFF YOUR MORTGAGE
  Whatever happens, you'll have the resources to contribute to your home loan or other debts, helping to safeguard your family's future.
• MEDICAL EXPENSES
  The cost of ongoing medical treatment and possible modifications to your home or work environment can put a significant strain on your resources.
• MAINTAINING YOUR LIFESTYLE
  Without the ability to earn, you'll still need to pay the bills and everyday living expenses.
• BEST CARE AVAILABLE
  Employing a full time caregiver is often necessary, but can be expensive. A lump sum can assist with the cost.

Talking to an A I S member will help in selecting appropriate disablement policies and sums insured for your situation.

* Davies Financial & Actuarial Limited