Any occupation definition (TPD)
A TPD definition that pays out only if you cannot do any job you are reasonably suited to.
Definition
Under an any occupation TPD definition, the insurer pays only if you cannot work in any job suited to your education, training and experience. Narrower cover, lower premium. Wider claims-decline risk than own-occupation because retraining options are considered.
See also
- Own occupation definition (TPD) — A TPD definition that pays out if you can no longer perform your specific job.
- Total and Permanent Disability (TPD) cover — A lump sum paid if you are permanently unable to work due to illness or injury.
Not personalised financial advice. Definitions are editorial framings of how the term is used across NZ life cover. Your specific policy wording is the authoritative source.