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- Worldwide Cover
- Agreed Value Benefit
- Guaranteed Benefit
- Recurrent Disablement Benefit
Rural Continuity(Key Persons Cover)
Protect yourself and your farm from financial impact during sickness or injury
Farmers have a unique work environment and generally work and live in the same place with their family experiencing long working hours and often unpredictable conditions. Rural Continuity Insurance can provide a monthly payment to safeguard the future of your farm or sharemilking business should you become disabled as a result of an accident or ill health. This applies if you are unable to continue farming for more than 10 hours a week, providing you are not working in any other business.
No offsets applied. Rural continuity cover does not have ACC offset.
The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks .
Benefit Payment Periods
You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances.
Partial Disablement Benefit
Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks.
Peak Season Benefit
If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit.
Business Income Support
Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Rural Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65.