Eureka has an excellent long-term relationship with all major insurers and ensure that when they provide you with an insurance solution that it is formulated for your circumstances.

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Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury. Most people use Total and Permanent Insurance for:

  • Paying for their spouse or another family member to take time off work which allows them to provide extra help and support
  • Making lifestyle changes e.g. where they live, modifying their home, clearing debt such as credit card, personal loans, mortgage
  • Paying for additional costs such as travelling to medical appointments or additional childcare
  • Paying off the mortgage or other debt
  • Putting towards everyday living expenses as their income often reduces

Total and permanent disablement cover

Your sum assured will be calculated so that you can pay your current mortgage helping to safeguard you family’s future. The amount will be considered to cover the cost of ongoing medical treatment and possible modifications to your home or work environment and also to assist with the cost of a full-time caregiver to ensure you get the best available care.

Total and permanent disablement cover

You can increase your life cover without further medical evidence on the occurrence of certain events. These events include reaching certain ages, getting married, civil union, having children, taking out a mortgage, or death of a spouse, partner or child or stopping work to take full time physical care of a dependent relative, or your shareholding in a business increasing.


Other benefits include

Each year It will offer to increase your sum insured by the rate of inflation, according to the consumer price index (CPI), without the need for further medical or financial underwriting.
It will pay up to $900 for your family to receive grief counselling from a professional counsellor.

Special Events Increase benefit: You can increase your existing life cover whenever a special event occurs in your life, such as taking out a mortgage or getting a pay rise. You can do this at a later date without any medical underwriting. This is useful because the amount of insurance you need may change as you get older. See your policy document for more information on special events.

Our Partners

Eureka has an excellent long term relationship with all major insurers and ensure that when they provide you with an insurance solution that it is formulated for your circumstances.

Here you can see our insurance plans that include individual group and Business plan.

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