NZLife. needs calculator - TPD

Needs Calculators

Life and/or Accident
Critical Illness
Permanent Disablement
Income Protection

This calculates how much total permanent disablement insurance you may need to safeguard your families future.

Fill in the fields indicated with the arrow and click anywhere to Calculate.

The example is provided only as a guide.

Possible Immediate Expenses if Permanently Disabled		Example
Home modification costs	$	$20000
Overdraft, Personal loans, Credit cards, Store cards, HP	$	$5000
Outstanding Tax, GST.	$	$5000
Medical and support costs	$	$10000
Mortgages	$	$220000
Other (including childrens education, weddings etc)	$	$30000
Total Expenses	$	$290000

Future Family Income
How much does your family need to live on each year (After above costs paid - eg food, utilities, rates etc)	$	$30000
Ongoing annual additional support costs	$	$5000
How many years does your family need financial support		5
Total Future Family Income	$	$175000

Realisable Assets
Cash, Savings, Investments, Shares etc	$	$2000
Sale of vehicle, business etc	$	$75000
Existing TPD Insurance (Do not enter if this is to replaced by this application)	$	$0
Total Realisable Assets	$	$77000

Total TPD Insurance suggested	$	$388000

Note:

The NZ Government and other organisations provide some support for disabled.

Disclaimer:

This calculator is designed to estimate a lump sum amount your family may need if you are totally disabled.

Availability of insurance cover is subject to acceptance and approval of a completed application.
This calculator does not constitute an offer of insurance.

Income Protection and/or TPD Quote Request Form

All Income Protection and TPD policies are specifically designed for each client. Your occupation, age, sex, smoker/non smoker and cover required will determine the premiums.

We will provide an emailed quote within 24 hours, based on the information provided in this form, or you may call us on 0800 2NZLIFE (0800 269543) during normal working hours for an immediate quote.

Get a quote now