What Life & Health insurance meant for Rachel and Brian Leadley
Rachel and Brian Leadley have spent 30 years growing in the Canterbury region and know the strength of their operation is Brian’s ability to get on and get things done. So in the process of considering Life & Health cover they questioned ‘What would happen if Brian couldn’t operate a tool or work full time?’.
More than a decade later when Brian injured his hand, they were able to focus on recovery and get in people to get the job done, thanks to FMG helping them get the right Life & Health insurance in place.
Why Brian and Rachel got their Life & Health insurance through FMG
Life on the Leadley's farm is busy, with the operation largely owner-operated with one full time employee and bringing in the occasional contractor as needed.
Brian says while ACC provides a level of protection, the cover has its limits. If there was an accident, he felt they had income streams and work that needed to be covered over and above what ACC provided. This is why the Leadley’s took out Life & Health cover.
The Leadley's have been FMG clients for many years, so getting their Life & Health insurance through us also meant they knew they were talking with advisers who understood their farm, family and needs when considering what cover was right for them.
The cover that kicked in*
Rural key person cover
Provides an income if a key person on the farm cannot work due to an injury or illness. This income can be used to replace that person which allows the farm to keep operating.
Talk to us about a personalised Risk Plan
Our team of dedicated Life & Health advisers are trained to ask you some of the big questions, so we can understand your goals and priorities and then recommend Life & Health insurance options that work for you, your family, and can include options to protect your farm or business operations as well.
Your personalised Risk Plan will give you options on how best to protect your livelihood from the devastating impact of an unexpected death, injury, illness or permanent disability.
*FMG’s risk plans are underwritten and administered by Fidelity Life, AIA, Resolution Life, and/or Southern Cross.