FAQs

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.

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.

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. Get a quote in just 30 seconds to determine what it might cost you. 

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.

Yes, you can get Disability Cover if you're self-employed.

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.

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!

If you were to become permanently unable to work due to an illness, accident or injury, you may be eligible to receive a disability insurance lump-sum payment. It includes some conditions, such as loss of limbs, that fall outside of our Critical Conditions cover. Take a look at our Total and Permanent Disability Definitions to see exactly what’s covered.