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Rural living 

Living the rural lifestyle in New Zealand means you don’t get a 9-5 working day, you don’t get weekends, and you don’t get paid holidays. It’s a demanding lifestyle which can be hugely satisfying, but you’ve got to make sure you’ve got your bases covered, and have planned for all possibilities. This includes financial planning and insuring what you have.

Find out what products TOWER can offer you to help reduce your stress:

Protecting your rural lifestyle

Farmer Income Protection Cover

Farmer Income Protection Cover

Farmer Income Protection Cover is our income protection policy designed specifically for farmers. If illness or disability was to strike, you’d want to focus on your recovery, but with your farm providing your livelihood, it’s important to ensure this can continue functioning. This policy pays a monthly amount, after a wait period, to help you cover the costs of running of your farm while you’re out of action.
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 TOWER Tailored Rural Insruance Policy

TOWER Tailored Rural Insurance Policy

TOWER Tailored Rural Insurance Policy is essential cover for your farming operation, and can cover everything from your livestock and liability through to your farm assets, including buildings, fences and machinery, as well as your farm vehicles and hay. It’s our full cover policy that covers almost everything a farmer would need, and helps provide you with the reassurance that if something were to happen, your farm could quickly recover and get back to business as usual.
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 Health Insurance

Health Insurance

Premier Health™ is our health insurance product that can cover the whole family. The product starts with Base Cover that can help with major surgical costs, and from there you can choose options that suit you and your family, such as the GP Option which can help cover regular GP bills, or the Serious Condition Lump Sum Option which can provide a lump sum payment if you suffer from a serious medical  condition. The payment can be spent however you wish, whether it’s farm expenses, medication or a holiday to help you recover.
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Protecting your rural future

KiwiSaver

TOWER KiwiSaver Scheme

The TOWER KiwiSaver Scheme is not just for those working 9-5, and there are a range of options for you to join our scheme, whether you’re self employed or an employee. You can still receive the benefit of regular contributions, the $1,000 government kick-start and annual member tax credits, subject to qualifying criteria. Obtain a copy of the investment statement here.
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 Savings and Investments

Savings and Investments

Savings & investment are a big part of the rural lifestyle, with your most significant investment often being in your farm. As you grow your wealth, it is important to save and invest wisely to meet future needs.  TOWER offers a range of managed funds designed to suit different needs and preferences for risk and return. Obtain a copy of the investment statement here.
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 Personal Wealth Management

Personal Wealth Management

The TOWER Individually Managed Account service is a personal wealth management system that is designed to be simple, flexible, and convenient for people who have built up a valuable investment portfolio and prefer to have a professional financial adviser assist them with taking care of it.
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Getting professional financial advice

Financial Advice is wise to seek before making big financial decisions. TOWER Financial Advisory Services is a network of professional financial advisers affiliated with TOWER who can assist you with finding the right options for your savings, investment, and insurance requirements.

Find out more about TOWER Financial Advisory Services here >>

Life isn’t always about the farm though, so when you’re on a break be sure to get travel insurance through TOWER, and if you have any other financial or insurance needs, talk to us to see how we can help. Call us today on 0800 379 372, open seven days a week, 8.00am-8.00pm.

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