Disability Cover | Pinnacle Life

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</div> <div class="site-header__body-underlay js-main-nav-toggle"></div> </div> <div class="site-header__mobile-toolbar ml-auto flex items-center justify-end nav:hidden"> <a href="/quote" class="button button--quote">Get a quote</a> <button type="button" class="site-header__toggle-button --site-search" aria-label="Search the site" data-site-search-toggle> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-search-small"></use> </svg> </button> <button type="button" class="site-header__toggle-button js-main-nav-toggle -mr-2" aria-label="Open main menu"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-nav-toggle"></use> </svg> </button> </div> </div> </header> <section class="gblock--product-hero region theme--f l:min-h-above"> <div class="region-inner global-grid wrapper"> <div class="grid gap-5 l:col-start-1 l:col-end-7 xl:col-end-6"> <div class="product-hero-text flow xl:pt-m xxl:pr-m"> <div class="flex items-center gap-x-3"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/disability-cover.svg" alt="" class="mb-auto w-16 m:w-24 shrink-0"/> <h1 class="heading--page">Disability Cover</h1> </div> <div class="relative mb-12 l:hidden"> <figure class="product-hero-image hero-image media media--rounded aspect-4x3 h-full max-w-full"> <picture> <source media="(min-width: 500px) and (max-width: 699px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_1000x750_crop_center-center_95_none_ns/302309/Couple-outside-hugging.webp" width="1000" height="750"> <source media="(min-width: 700px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_1600x1200_crop_center-center_95_none_ns/302309/Couple-outside-hugging.webp" width="1600" height="1200"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_800x600_crop_center-center_95_none_ns/302309/Couple-outside-hugging.webp" alt="" sizes="auto" width="800" height="600" class=" " > </picture> </figure> <div class="absolute bottom-0 left-0 z-2 p-2 m:p-5"> <a class="product-detail-button--mobile--feefo" href="https://www.feefo.com/en-GB/reviews/pinnacle-life?withMedia=false&timeFrame=YEAR&displayFeedbackType=PRODUCT" target="_blank" rel="noopener"> <img class="rounded-xs" alt="Feefo logo" src="https://api.feefo.com/api/logo?merchantidentifier=pinnacle-life&template=Service-Stars-White-175x44.png" title="Our customer Feefo rating" width="175" height="44" /> </a> </div> </div> <h2 class="heading--block prose--narrow">Protect Your Future, Even When Life Changes</h2> <div class="prose--narrow"> <p>Having Total and Permanent Disability cover means that if you become permanently unable to work, or meet our Total and Permanent Disability definitions due to accident or illness, you will receive a lump sum payment to use however you need. </p> </div> <div class="mt-xs xxl:mt-s"> <ul class="button-group"> <li> <a href="/quote" class="button button--quote">Get a quote</a> </li> <li> <a href="/modals/request-a-callback" class="button button--outline button--has-icon" data-fancybox="request-form"> <svg class="icon icon--l" aria-hidden="true"> <use xlink:href="#icon-phone"></use> </svg> Request a call back </a> </li> </ul> </div> </div> <div class="self-end"> <div class="flex items-start gap-3"> <svg class="icon icon--l" aria-hidden="true"> <use xlink:href="#icon-logo-symbol"></use> </svg> <div class="max-w-[64ex] text-pretty text-small self-center"> <p>Total and Permanent Disability cover can only be purchased alongside Life Insurance.</p> </div> </div> </div> </div> <div class="max-l:hidden l:col-start-7 l:col-end-13 xxl:col-start-6"> <div class="relative h-full"> <figure class="product-hero-image hero-image media media--rounded aspect-4x3 h-full max-w-full"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_1600x1200_crop_center-center_95_none_ns/302309/Couple-outside-hugging.webp" alt="" sizes="auto" width="1600" height="1200" class=" " > </picture> </figure> <div class="absolute bottom-0 left-0 z-2 p-2 m:p-5"> <a class="product-detail-button--mobile--feefo" href="https://www.feefo.com/en-GB/reviews/pinnacle-life?withMedia=false&timeFrame=YEAR&displayFeedbackType=PRODUCT" target="_blank" rel="noopener"> <img class="rounded-xs" alt="Feefo logo" src="https://api.feefo.com/api/logo?merchantidentifier=pinnacle-life&template=Service-Stars-White-175x44.png" title="Our customer Feefo rating" width="175" height="44" /> </a> </div> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id=pinnacle-permanent-disability-cover-offers-a-financial-safety-net-when-you-need-it-most class="gblock--zigzag region theme--f" > <div class="region-inner global-grid wrapper items-center"> <div class="zigzag"> <figure class="zigzag-media media rounded"> <picture> <source media="(min-width: 500px) and (max-width: 999px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_1000xAUTO_crop_center-center_95_none_ns/302310/In-the-garden-picking-veggies.webp" width="1000" height="667"> <source media="(min-width: 1000px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_1600xAUTO_crop_center-center_95_none_ns/302310/In-the-garden-picking-veggies.webp" width="1600" height="1066"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_800xAUTO_crop_center-center_95_none_ns/302310/In-the-garden-picking-veggies.webp" alt="" sizes="auto" width="800" height="533" class="w-full h-full object-cover " loading="lazy" decoding="async" style="object-position: 50% 50%" > </picture> </figure> <div class="zigzag-text theme--white rounded py-s l:py-xl"> <div class="flow"> <h2 class="heading--section">Total and Permanent Disability Cover offers a financial safety net when you need it most.</h2> <div class="wysiwyg"> <p>Serious illnesses or injuries can sometimes leave you with lasting disabilities that prevent you from working. If this happens, Pinnacle Life's Total and Permanent Disability Cover, an optional add-on to your Life Insurance, can help.<br /><br />It provides a tax-free lump sum payment to cover expenses like medical bills, home modifications, or daily living costs, giving you financial security during a difficult time.</p><p>This payment comes from your existing Life Insurance cover, so it's like an early payout that helps you when you need it most.</p> </div> </div> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section class="product-content region theme--a has-scroll-nav overflow-visible" data-scroll-nav> <div class="region-inner global-grid wrapper"> <div class="mb-s l:col-start-4 xxl:col-end-9 xxl:row-start-1"> <h2 class="heading--section mb-"> Pinnacle’s Permanent Disability Cover </h2> </div> <div class="scroll-nav-ui l:col-start-1 l:col-end-4 l:max-xl:pr-8 xxl:row-start-2"> <div class="top-header-height l:sticky"> <nav class="scroll-nav"> <ul class="scroll-nav-items" data-scroll-nav-items> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#disability-cover-is-also-referred-to-in-nz-as"> <span class="scroll-nav-link-label"> Disability Cover is also referred to in NZ as: </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#policy-summary"> <span class="scroll-nav-link-label"> Policy summary </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#whats-covered"> <span class="scroll-nav-link-label"> What's covered? </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#whats-not-covered"> <span class="scroll-nav-link-label"> What's not covered? </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#how-does"> <span class="scroll-nav-link-label"> How does disability cover work with my life insurance? </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#your-privacy"> <span class="scroll-nav-link-label"> Your privacy </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#when-does-your-cover-end"> <span class="scroll-nav-link-label"> When does your cover end? </span> </a> </li> <li> <a data-scroll-nav-link class="scroll-nav-link" href="#when-you-need-to-claim"> <span class="scroll-nav-link-label"> When you need to claim </span> </a> </li> </ul> </nav> </div> </div> <div class="l:col-start-4 l:col-end-13 xxl:col-end-9 xxl:row-start-2"> <div class="scroll-nav-content min-h-screen" data-scroll-nav-content> <section id="disability-cover-is-also-referred-to-in-nz-as" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> Disability Cover is also referred to in NZ as: </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Total and Permanent Disability Cover (TPDC or TDC)</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Permanent Disability Insurance</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Total Disability Insurance</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Long-Term Disability Insurance</p> </div> </div> </div> </section> <section id="policy-summary" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> Policy summary </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Pinnacle Life's Total and Permanent Disability Cover is an optional add-on to your life insurance. It provides a tax-free lump sum if you become permanently disabled and unable to work due to illness or injury. This financial support can be used for medical costs, home adaptations, daily expenses, or any other needs during this difficult period, providing essential financial relief.</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Flexible cover where you have the freedom to choose the level of cover that best suits your needs and budget, giving you control over your financial security.</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Change your mind within 30 days of starting your Pinnacle Life policy? We’ll refund your money, no questions asked.</p> </div> </div> </div> </section> <section id="whats-covered" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> What's covered? </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>A tax-free lump sum if you are permanently unable to work due to illness, accident, or injury.</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Covers disabilities that meet our Total and Permanent Disability <a href="https://pinnaclelife2024.fastly.deploy.net.nz/pinnaclelife2024-prod/downloads/Policy-documents/Definitions/Total-and-permanent-disability-definitions.pdf" target="_blank" rel="noreferrer noopener">Definitions</a>.</p> </div> </div> </div> </section> <section id="whats-not-covered" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> What's not covered? </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-con"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-cross-circle"></use> </svg> <div class="prose"> <p>Self-inflicted injuries.</p> </div> </div> <div class="product-con"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-cross-circle"></use> </svg> <div class="prose"> <p>Disabilities caused by illegal activities and certain hazardous occupations.</p> </div> </div> <div class="product-con"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-cross-circle"></use> </svg> <div class="prose"> <p>Depending on your health and lifestyle other exclusions may be added to your policy.</p> </div> </div> <div class="wysiwyg"> <p><i>*More details are in the application process and your policy document.</i></p> </div> </div> </section> <section id="how-does" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> How does disability cover work with my life insurance? </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>If you claim on your Total and Permanent Disability cover, the tax-free lump sum payout will reduce the amount of your Life Insurance cover.</p> </div> </div> </div> </section> <section id="your-privacy" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> Your privacy </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Your information is important to us. We will never share your information. </p> </div> </div> <div class="wysiwyg"> <p><i>For more details, please see our </i><a href="https://www.pinnaclelife.co.nz/privacy-policy" target="_blank" rel="noreferrer noopener"><i>Privacy Policy</i></a><i>.</i></p> </div> </div> </section> <section id="when-does-your-cover-end" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> When does your cover end? </h3> </header> <div class="scroll-nav-block__text flow"> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>Total and Permanent Disability Cover remains active as long as you continue to pay your premiums.</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>The last day of the month in which the insured person turns 65.</p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>When the full amount of the claim is paid. </p> </div> </div> <div class="product-pro"> <svg class="icon" aria-hidden="true"> <use xlink:href="#icon-check-circle"></use> </svg> <div class="prose"> <p>You may also choose to cancel your policy at any time.</p> </div> </div> </div> </section> <section id="when-you-need-to-claim" class="scroll-nav-block flow" data-scroll-nav-target> <header> <h3 class="heading--block"> When you need to claim </h3> </header> <div class="scroll-nav-block__text flow"> <div class="wysiwyg"> <ul><li>You will get a cash lump-sum payment, depending on the amount of cover you've selected of up to $1 million.</li><li>Your Life Insurance will reduce by the amount of the lump-sum payment. Total and Permanent Disability Cover is an 'early payment benefit', sometimes called 'accelerated' cover.</li><li>Your claim will be paid in New Zealand Dollars anywhere in the world, to the person who owns the policy.</li><li>Your policy will be reinsured by Hannover Life Re, one of the largest reinsurers of life insurance in the world.</li></ul> </div> <ul class="button-group"> <li> <a href="/claims" target="" class="button button--primary">Learn more about claims</a> </li> </ul> </div> </section> <section class="scroll-nav-block scroll-nav-block--downloads"> <ul class="download-cards prose grid gap-grid m:grid-cols-2"> <li> <a href="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/downloads/Policy-documents/Definitions/Total-and-permanent-disability-definitions.pdf" class="download-card flex items-center gap-4" target="_blank"> <div class="media aspect-3x4 w-16 rounded-[4px]"> <img src="/images/placeholder/pdf-cover.png" alt=""/> </div> <div class="text"> <div class="text-eyebrow"> Download: </div> <div class="text-small"> Total and permanent disability definitions </div> </div> </a> </li> </ul> </section> </div> </div> <div class="max-xxl:hidden xxl:col-span-4 xxl:row-span-2 xxl:row-start-1"> <div class="sticky top-header-height"> <div class="media media--rounded aspect-3x4"> <picture> <source media="(min-width: 700px)" srcset="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_AUTOx1000_crop_center-center_95_none_ns/302311/Wheelchair-at-home-with-dogs.webp" width="1500" height="1000"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Products/Disability/_AUTOx600_crop_center-center_95_none_ns/302311/Wheelchair-at-home-with-dogs.webp" alt="" sizes="auto" width="900" height="600" class="w-full h-full object-cover " loading="lazy" decoding="async" style="object-position: 50% 50%" > </picture> </div> </div> </div> </div> </section> <section class="gblock--products region theme--white"> <div class="region-inner global-grid wrapper items-center"> <div class="global-grid"> <div class="l:col-span-3"> <div class="heading--card mb-4"> Insurance Products </div> </div> <div class="l:col-span-9 l:col-start-4"> <h2 class="heading--section"> <p>Additional insurance products by Pinnacle Life </p> </h2> </div> </div> <div class="row mt-m"> <div class="featured-products max-xl:overflow-scroller grid grid-cols-3 gap-grid"> <div class="prod-card"> <div class="prod-card__text flow"> <img class="prod-icon" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/life-insurance.svg" alt="" /> <h3 class="heading--block"> Life Insurance </h3> <div class="prose prose--card"> <p>Life insurance provides for those you leave behind. It helps them pay the mortgage, invest in education, put food on the table, and pay the bills. </p> </div> </div> <ul class="prod-card__links"> <li> <a href="/quote" class="button button--quote"> Get a quote </a> </li> <li> <a href="https://www.pinnaclelife.co.nz/life-insurance" class="link link--cta"> Learn more </a> </li> </ul> </div> <div class="prod-card"> <div class="prod-card__text flow"> <img class="prod-icon" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/income-protection.svg" alt="" /> <h3 class="heading--block"> Income Protection </h3> <div class="prose prose--card"> <p>Income Protection pays you a monthly amount if you are unable to work due to illness or injury - so you can carry on with your life even though you're not earning. </p> </div> </div> <ul class="prod-card__links"> <li> <a href="/quote" class="button button--quote"> Get a quote </a> </li> <li> <a href="https://www.pinnaclelife.co.nz/income-protection" class="link link--cta"> Learn more </a> </li> </ul> </div> <div class="prod-card"> <div class="prod-card__text flow"> <img class="prod-icon" src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/critical-illness-cover.svg" alt="" /> <h3 class="heading--block"> Critical Conditions Cover </h3> <div class="prose prose--card"> <p>Having Critical Conditions Cover means that if you suffer from one of the 38 conditions specified in your policy, you will receive a lump sum payment to use however you need.</p> </div> </div> <ul class="prod-card__links"> <li> <a href="/quote" class="button button--quote"> Get a quote </a> </li> <li> <a href="https://www.pinnaclelife.co.nz/critical-conditions-cover" class="link link--cta"> Learn more </a> </li> </ul> </div> </div> </div> </div> </section> <section id="our-icon-customers-say-the-loveliest-things" class="gblock--reviews region theme--c"> <div class="region-inner global-grid wrapper gap-y-5"> <div class="flow l:col-start-1 l:col-end-4 l:row-start-1 l:row-end-2 l:pr-8 l:pt-m"> <div class="flow"> <h2 class="heading--section"> Our <svg class="icon icon--logo-symbol inline align-baseline" aria-hidden="true" ><use xlink:href="#icon-logo-symbol"></use></svg > customers say the loveliest things </h2> <a href="https://www.feefo.com/en-GB/reviews/pinnacle-life" class="link link--cta" target="_blank"> <span>View all reviews</span> <svg class="icon icon--arrow" aria-hidden="true"> <use xlink:href="#icon-arrow"></use> </svg> </a> </div> </div> <div class="l:col-start-4 l:col-end-13 l:row-start-1 l:row-end-3"> <div class="review-card-grid max-l:overflow-scroller max-l:items-end"> <div class="review-card"> <div class="review-stars pile" style="--rating: 4"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">4 / 5</div> </div> <div class="text flow"> <p>I'm happy with the cover and the level of protection it leaves my family in the future in my untimely demise.</p> <div class="meta text-small">Trusted Customer, October 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>Easy to deal with! 10/10 experience.</p> <div class="meta text-small">Trusted Customer, November 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>Lovely staff very informative and helpful. Easy to use website to quote and book life insurance.</p> <div class="meta text-small">Trusted Customer, May 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>People on hand if have questions. Very helpful, someone called and emailed as I hadn’t finished buying my cover in case I had questions.</p> <div class="meta text-small">Trusted Customer, January 2024</div> </div> </div> <div class="review-card"> <div class="review-stars pile" style="--rating: 5"> <div class="empty"></div> <div class="full"></div> <div class="sr-only">5 / 5</div> </div> <div class="text flow"> <p>Good service given.</p> <div class="meta text-small">Trusted customer, October 2024</div> </div> </div> </div> </div> <div class="l:col-start-1 l:col-end-4 l:row-start-2 l:row-end-3 l:self-end l:mt-m"> <div class="flex flex-row-reverse items-end justify-between gap-x-grid l:flex-col l:items-start l:gap-y-3"> <div> <svg xmlns="http://www.w3.org/2000/svg" width="89" height="21" fill="currentColor" viewbox="0 0 89 21"> <path d="M19.386 11.26h-7.064c.314-1.423 1.648-2.41 3.493-2.41 1.765.039 3.06.869 3.57 2.41Zm4.473 3.2v-.475c0-5.65-3.296-9.126-8.084-9.126-2.04 0-4.042.83-5.572 2.37-1.491 1.502-2.315 3.438-2.315 5.571 0 2.133.745 4.07 2.197 5.61 1.53 1.66 3.414 2.45 5.69 2.45 3.375 0 5.886-1.62 7.338-4.78h-4.826c-.667.592-1.413.829-2.315.829-1.923 0-3.1-.83-3.493-2.45h11.38Zm12.321-3.2h-7.063c.314-1.423 1.61-2.41 3.493-2.41 1.766.039 3.022.869 3.57 2.41Zm4.474 3.2v-.475c0-5.65-3.296-9.126-8.083-9.126-2.04 0-4.042.83-5.573 2.37a7.703 7.703 0 0 0-2.315 5.532c0 2.133.746 4.069 2.237 5.61 1.53 1.659 3.414 2.449 5.69 2.449 3.375 0 5.886-1.62 7.338-4.78h-4.905c-.667.592-1.413.83-2.315.83-1.923 0-3.1-.83-3.493-2.45h11.42v.04ZM1.609 8.691v11.773h4.356V8.691H7.73V5.294H5.965v-.356c0-1.382.314-1.856 1.648-1.856h.118V.04C7.495.04 7.26 0 7.063 0 3.336 0 1.61 1.462 1.61 4.701c0 .158.04.356.04.553H0v3.437h1.609Zm40.733 0v11.773h4.356V8.691h1.766V5.294h-1.766v-.356c0-1.382.314-1.856 1.648-1.856h.118V.04c-.236 0-.471-.04-.707-.04-3.689 0-5.454 1.462-5.454 4.701 0 .158.039.356.039.553h-1.61v3.437h1.61Zm17.619 4.189c0 2.053-1.609 3.713-3.57 3.713-1.923 0-3.572-1.66-3.572-3.714 0-2.094 1.61-3.753 3.571-3.753 1.962 0 3.571 1.66 3.571 3.753Zm4.395-.12c0-2.054-.863-4.148-2.472-5.688-1.53-1.423-3.414-2.213-5.572-2.213-2.04 0-4.042.83-5.572 2.37-1.492 1.502-2.316 3.438-2.316 5.571 0 2.133.746 4.07 2.237 5.61 1.53 1.66 3.414 2.45 5.69 2.45 2.276 0 4.199-.83 5.73-2.37 1.53-1.542 2.275-3.438 2.275-5.73Zm6.828-2.449c-2.119-.118-3.845-1.857-3.963-4.03h9.339v-.118C76.56 2.489 74.206 0 70.988 0c-3.414 0-5.73 2.528-5.73 5.807 0 3.082 2.395 5.808 5.69 5.808 2.395 0 4.278-1.343 5.298-3.793h-.941a4.248 4.248 0 0 1-3.846 2.45c-.118.04-.196.04-.275.04Zm11.851 0c2.12-.118 3.846-1.857 3.964-4.03h-9.34v-.118C77.66 2.489 80.014 0 83.231 0c3.415 0 5.73 2.528 5.73 5.807 0 3.082-2.394 5.808-5.69 5.808-2.394 0-4.278-1.343-5.298-3.793h.942c.667 1.423 2.119 2.45 3.806 2.45.157.04.236.04.314.04Z"></path> </svg> </div> <div> <div class="flex items-baseline gap-x-4"> <div class="heading--block">4.4/5</div> <div class="review-stars review-stars--a pile" style="--rating: 4.4;"> <div class="empty"></div> <div class="full"></div> </div> </div> <div class="text-small">Average Customer Rating</div> </div> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="get-covered-in-3-easy-steps" class="gblock--how-it-works region theme--f"> <div class="region-inner global-grid wrapper items-center"> <div class="global-grid gap-y-xxs"> <div class="flow l:col-start-4 l:col-end-8 xxl:col-end-7"> <h2 class="heading--section">Get covered in 3 easy steps</h2> </div> <div class="flow l:col-span-3"> <div class="prose--card"> </div> </div> </div> <div class="row mt-s"> <ol class="how-cards max-xl:overflow-scroller grid grid-cols-3 gap-grid"> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">1</span> <h3 class="heading--block">Get a quote</h3> </div> <div class="how-card__desc prose--card"> <p>Select your products and add a few details to get started (you can edit products later). Adjust your lump sum payout amount and monthly premiums to find the right balance for you.</p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-1-basics-V2.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">2</span> <h3 class="heading--block">Apply online</h3> </div> <div class="how-card__desc prose--card"> <p>We’ll ask you some health and lifestyle questions; depending on your answers, you could be covered in just 10 minutes. </p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-2-get-a-quote.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> <li class="how-card"> <div class="how-card__layout"> <div class="how-card__header"> <span class="how-card__counter">3</span> <h3 class="heading--block">Get covered</h3> </div> <div class="how-card__desc prose--card"> <p>We’ll email you your policy. Your cover starts immediately, provided we receive your first payment within 14 days.</p> </div> <div class="how-card__media"> <div class="phone-comp"> <div class="phone-screen"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/step-3-get-covered.png" alt=""/> </div> <div class="phone-frame"></div> </div> </div> </div> </li> </ol> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section class="gblock--help region theme--c"> <div class="region-inner global-grid wrapper items-center"> <div class="global-grid"> <div class="l:col-span-3"> <div class="heading--card mb-4">How much disability cover do I need?</div> </div> <div class="flow l:col-span-9 l:col-start-4"> <h2 class="heading--section">Need help working out how much cover is right?</h2> <div class="prose"> <p>What type of cover should you choose? How much cover should you get? How much will it cost? For many people, this is where buying life insurance gets complicated and overwhelming. We've got the tools to help.</p> </div> </div> </div> <div class="row mt-s"> <div class="featured-tools global-grid theme--f relative rounded max-l:pb-m"> <div class="featured-tools__deco--l self-end l:col-span-3"> <img class="-mb-[20%]" src="/images/deco/illustration--bot-1.svg" alt="" aria-hidden="true"/> </div> <div class="overflow-hidden pb-24 pt-s l:col-span-7 l:pb-0 l:pt-12"> <div class="flex h-full gap-grid px-x l:grid l:grid-cols-3 l:px-0" data-tools-marquee> <a class="featured-tool rounded" href="/quote" data-tools-marquee-slide > <span class="sr-only"></span> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/quote.svg" alt=""/> </a> <a class="featured-tool rounded" href="https://advice.pinnaclelife.co.nz/" data-tools-marquee-slide > <span class="sr-only"></span> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/digital-advice.png" alt=""/> </a> <a class="featured-tool rounded" href="/how-much-life-insurance" data-tools-marquee-slide > <span class="sr-only"></span> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Products/Life/compare-by-age-500k-2.svg" alt=""/> </a> </div> </div> <div class="grid justify-end max-l:hidden l:col-span-2"> <img src="/images/deco/illustration--top-3.svg" alt="" aria-hidden="true"/> </div> </div> </div> <div class="row mt-l l:col-start-4 l:mt-m"> <a class="button button--primary" href="/help-with-life-insurance">Explore our tools</a> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section id="faqs" class="gblock--faqs region theme--f"> <div class="region-inner global-grid wrapper gap-y-s"> <div class="l:col-span-3 l:pr-m"> <h2 class="heading--section">Frequently asked questions</h2> </div> <div class="flow l:col-span-8 l:col-start-4"> <div class="accordions" data-accordions> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What’s the difference between Life Insurance and Disability Cover?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Life insurance gives your loved ones a one-time payment if you die or are diagnosed with a terminal illness and have less than 12 months to live.</p><p>Disability Cover is an optional add-on to your Life Insurance. It will provide a tax-free lump sum payment if you become permanently disabled and are unable to work. This financial support can be used any way you choose, to help you manage the costs associated with your disability.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How much does Disability Cover cost?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Monthly premiums are based on the cover you want. How much Disability Cover costs depends on things like your age, gender, whether you smoke and other health and lifestyle factors. <a href="https://pinnaclelife2024.fastly.deploy.net.nz/quote">Get a quote</a> in just 30 seconds to determine what it might cost you. </p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Do I need Disability Cover if I have ACC?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>ACC covers accidents but not illnesses or medical conditions that result in you being permanently disabled and unable to work. Disability Cover would protect you in these situations. This tax-free lump sum can help manage the costs associated with your disability, giving you peace of mind during a difficult time.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Can I get Disability Cover if I am self-employed?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Yes, you can get Disability Cover if you're self-employed.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How do I choose the right Disability policy?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>At Pinnacle, choosing the right Disability Cover policy is simple. We offer one comprehensive policy that you can customise to your needs. You can select the level of cover that suits your needs and budget, and our team is here to support you in this process.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How do I apply for Disability Cover with Pinnacle?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Start with an online Pinnacle Life Insurance quote. At the beginning of this process, you'll have the option to add Disability cover. Enter your gender, age, and smoking status to get a personalised quote in 30 seconds. When you're happy with your cover and monthly premium, answer a few health questions, set up your payment, and you're covered!</p> </div> </div> </div> </details> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <section class="gblock--get-quote-callout region theme--a print:hidden"> <div class="region-inner global-grid wrapper"> <div class="l:col-start-1 l:col-end-4 l:grid l:justify-end l:pr-4 xl:col-end-5"> <div class="icon-badge mb-6"> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/images/Icons/product-icons/life-insurance.svg" alt=""/> </div> </div> <div class="l:col-span-8 l:col-start-4 xl:col-start-5 xxl:col-end-10"> <div class="text flow pros"> <header> <h2 class="heading--section"> Choose Pinnacle Life for proven, award-winning life insurance that has been safeguarding Kiwis for over two decades. </h2> </header> <div class="prose"> <p> <p>Experience the peace of mind that comes with affordable, simple and secure life insurance cover. </p> </p> </div> <ul class="button-group"> <li> <a href="/quote" target="_blank" class="button button--quote">Get a quote</a> </li> <li> <a href="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/downloads/eBook/5-Big-Life-Insurance-Questions.pdf" target="_blank" class="button button--link">Download our PDF Guide</a> </li> </ul> </div> </div> </div> <div class="region-image-bg region-image-bg--motif"></div> </section> <footer class="site-footer region theme--a"> <div class="region-inner global-grid wrapper gap-y-8"> <div class="m:col-span-3"> <div class="flex items-center justify-between gap-12 m:flex-col m:items-start"> <a href="/" class="site-footer__logo"> <img src="/images/logo-pinnacle-life--footer.svg?v=2" alt="" class="max-nav:hidden" /> <img src="/images/logo-pinnacle-life-symbol--invert.svg?v=2" alt="" class="w-12 nav:hidden" /> <span class="sr-only">Pinnacle Life</span> </a> <nav class="site-footer__social"> <ul class="flex gap-2"> <li> <a 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