You're happily single
Adding Disability Insurance to your Life Insurance policy can help make life a little bit easier if you become totally and permanently disabled.
We'll pay the owner of the policy a tax-free lump sum if you become permanently unable to work or meet our Total and Permanent Disability Definitions due to accident or illness.
Total and Permanent Disability cover (sometimes referred to as TPD) is an advance payment of your life cover. It is paid in a lump sum if you become
The lump sum payment is tax free and can be used however you need, whether that be modifications to your home, care at home or other assistance.
Thinking about what life stage you’re at might help you get started if you’re stuck wondering what you need. Choose the option that best fits what you want to plan for, we’ll then let you know what other people planning for a similar future have asked for quotes on.
Yes, they simply need to apply. Note that it's the person getting insured who must provide the answers to the health questions on the application form and complete the declaration. When the policy is issued, the insured person will also be the policy owner. If they want to change that, they will need to request an update using the 'change of ownership' form included in the policy.
You can pay your Pinnacle Life premiums monthly, six-monthly or yearly. We prefer it if you pay by direct debit, however we also accept internet banking/automatic payment, cheque (for six monthly or annual premiums only), or credit card. When paying via credit card, a charge of 3.95% is added to your premiums.
We do not accept weekly or fortnightly payments.
You need to let us know as soon as possible. The additional information you provide may or may not affect your policy. Your policy may be placed on hold while we work through the assessment process, alternatively we may need to void your policy and issue you with a new policy once we have completed our assessment. If you are unsure whether you disclosed something on your application, please contact us and we will send you a copy of your application to review.
We can show you what insurance people planning for a similar future have asked about.Help me choose