Permanent loss of speech
both feet (entire feet); or
The life assured , as a result of sickness or injury suffers total and irreversible loss of speech. This loss must be established and the unequivocal diagnosis reaffirmed after a continuous period of three months of such loss by an appropriate specialist .
both hands (entire hands); or
the sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or C. is constantly and permanently unable to perform at least two of the following activities without the physical assistance of someone else (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
Permanent loss of use of limbs
Full payment
The life assured , as a result of sickness or injury, permanently loses the use of:
both hands; or
both feet; or
one hand and one foot; or
one hand and the sight of one eye (to the extent of 6/60 or less); or one foot and the sight of one eye (to the extent of 6/60 or less).
Bathing and showering.
Dressing and undressing.
Eating and drinking.
Partial payment
Using a toilet.
The life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
Moving from place to place by walking, in a wheelchair, or with a walking aid.
The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business Sovereign policies for the life assured . Only one claim can be made for this partial payment per life assured .
Alternatively, the life assured has suffered Total Permanent Disablement if he or she is unable to perform one of the above activities and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires permanent and constant supervision. If the life assured commences full-time domestic duties, the definition of the Optional Total Permanent Disablement condition will change by replacing paragraph A above with:
Quadriplegia/Tetraplegia
Total and permanent loss of function of both upper and lower limbs due to injury or disease of the spinal cord.
“A. in Sovereign’s opinion becomes totally incapacitated by illness or accident and, as a result of that incapacity:
Total Permanent Disablement (Optional condition )
For three consecutive months after that incapacity began, has not worked in any occupation or carried on any business or engaged in any other gainful employment ; and Following that three consecutive months is, in the opinion of Sovereign, after consideration of the medical and any other evidence satisfactory to Sovereign, so incapacitated that it is unlikely he or she will ever be able to work in any occupation or engage in any other gainful employment for which he or she may be reasonably suited by education, training or experience, which would pay remuneration at a rate greater than 25% of the life assured ’s earnings during his or her last 12 consecutive months of work .”
A life assured has suffered Total Permanent Disablement if the life assured before attaining age 65:
A. in Sovereign’s opinion becomes totally incapacitated by illness or accident and, as a result of that incapacity:
is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and
for the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and
is, in Sovereign’s opinion, after consideration of the medical and any other evidence satisfactory to Sovereign, so incapacitated that it is unlikely he or
Sovereign will at its discretion waive the three month waiting period when assessing Total Permanent Disablement if:
she will ever be able to resume work in that occupation or carry on in that business; or
in Sovereign’s opinion, the life assured has met all other requirements for payment under the Total Permanent
B. in Sovereign’s opinion suffers by illness or accident the total and permanent loss of meaningful use of:
852 TCB-LAC version 19 Effective 12 May 2026
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