Overview
How does it work
Total and Permanent Disability insurance provides a lump sum payment if you are permanently unable to work. Payments will continue even if you are unable to earn a living for the rest of your life.
How much cover can I get?
The amount that you can qualify for will depend upon your age, health background, occupation, etc. Usually you can be covered for up to $2 million and possibly more on request.
Affordable premiumsAs with most insurance policies the amount that you will pay each month will depend upon the terms of your agreement. However, typically, Total and Permanent Disability insurance is very affordable way to protect yourself.
Applying is simpleThis is a relatively inexpensive policy and we are here to talk to you about your options. Simply call or book an appointment to speak with one of our experienced advisers to discuss your needs and the amount of coverage that makes sense for you.
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When would I qualify to file a claim?There are certain criteria that you would have to meet in order to qualify for a successful claim. Benefits begin to be paid after three months of not being able to work. There are many options available for this policy and we can help tailor it to your needs.
Paying your premiumsPayment options can be arranged to benefit your lifestyle. We will work with you to determine the dates and premiums that make financial sense. Payment can be made via bank transfer, direct debit, credit card or other arrangements.
How much cover do I need?The amount that you need will depend upon your pre-disability income and your monthly expenses. We can help you calculate how much coverage you can receive.
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Making a claim
You need to focus on recovering and we are here to help manage your claim as efficiently as possible. Our experience in the industry means that we can swiftly and efficiently help you with this process.
Depending on what type of claim you are making the process will vary. We are here to walk you through your claim and we always know the next steps. Get in touch with us to begin your claims process.
Telephone: (09) 580 0181
Email: info@canopygroup.co.nz
Depending on what type of claim you are making the process will vary. We are here to walk you through your claim and we always know the next steps. Get in touch with us to begin your claims process.
Telephone: (09) 580 0181
Email: info@canopygroup.co.nz
Frequently asked questions
Does Canopy help with any ongoing service?
Canopy’s advisers are dedicated to understanding your individual needs and building a lifetime
relationship with you, your family (and/or) business partners. We're here to help with questions,
changes to your cover, and of course claims. You will have our personal support, from quote to claim.
What is the cost of using an adviser from Canopy?
Our service is free.
Will my premium go up in the future?
Yes, your premium increases each year in line with your age and (if you have selected this option), inflation.
Some insurers have an option to pay a higher premium from the start, which stays the same for a set period
of time (e.g. five years, ten years or even until age 65 and beyond). Your Canopy adviser can talk you through
how this could save you money in the long term.
When is my first payment due?
Most insurers give you the ability to specify the date in the month you’d like your regular payment
processed. Once your policy is accepted and issued by the insurer, your first premium becomes due
within the following 2-3 weeks.
Read all FAQs here
Canopy’s advisers are dedicated to understanding your individual needs and building a lifetime
relationship with you, your family (and/or) business partners. We're here to help with questions,
changes to your cover, and of course claims. You will have our personal support, from quote to claim.
What is the cost of using an adviser from Canopy?
Our service is free.
Will my premium go up in the future?
Yes, your premium increases each year in line with your age and (if you have selected this option), inflation.
Some insurers have an option to pay a higher premium from the start, which stays the same for a set period
of time (e.g. five years, ten years or even until age 65 and beyond). Your Canopy adviser can talk you through
how this could save you money in the long term.
When is my first payment due?
Most insurers give you the ability to specify the date in the month you’d like your regular payment
processed. Once your policy is accepted and issued by the insurer, your first premium becomes due
within the following 2-3 weeks.
Read all FAQs here
Is this the right policy for my circumstances?
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What other policies could I take with Total and Permanent Disability Insurance?We recommend you consider taking a combination of insurance policies with your life insurance.
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For free advice or help, talk to an experienced adviser
Arrange a consultation with one of our advisers. We will help you decide what is the right insurance for you and how much cover you will require. |
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