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Complete Disablement Cover

Insurance that provides  a lump sum if you or a key person becomes completely or partially disabled due to illness or injury.

Why do you need Complete Disablement Cover?

Many of us invest our lifetime and a lot  of money into building a successful business. Having Complete Disablement Cover means if you or a key person within your business becomes completely or partially disabled through illness or injury, your business has financial support to help it to continue to operate into the future or provide you with money to help buy or sell out.

Some examples of how this money can help are:

  • a cash injection to help your business continue operating
  • clearing business debt or loans
  • recruitment costs to find a replacement person
  • succession planning
  • executing a buy/sell agreement.


Complete Disablement Cover provides several benefits that are built into the cover as well as an optional benefit you can choose to add at an additional cost. This makes it easy to tailor your Complete Disablement Cover to suit your needs and budget.


Is Assurance Extra Business for me?
Is Assurance Extra Business for me?

Find the right cover

To make sure you choose the right cover for your needs, you'll need the help of a qualified Financial Adviser. We can connect you with an Adviser near you.

Leave your details and someone will give you a call for a quick, no-obligation chat about your personal insurance needs.

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit