Free TPD Insurance Calculator for New Zealanders
Total and Permanent Disability (TPD) cover pays a lump sum if you become permanently unable to work. Sized correctly, it should clear major debts and replace several years of income.
Your situation
$95,000
$
15 years
years
$525,000
$
35 years
years
Suggested TPD cover
$1,950,000
15 years income + debts
Based on income of $95,000 over 15 years plus $525,000 debts.
Income replacement$1,425,000
Debt clearance$525,000
Indicative monthly premium
Annual premium$1,440
About our TPD Insurance Calculator
Disclaimer: This calculator is for information only and does not constitute financial advice. Real-world figures may differ due to fees, rounding, rate changes, and policy specifics. Always confirm figures with the relevant provider before signing anything.