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As a farmer, there's a lot of responsibility on your shoulders. Life insurance is designed to help ease that burden. It ensures that you and your family don't lose everything that you've worked for if you pass away or something stops you from working permanently.
Life insurance provides financial protection if something life-changing happens to you, like a serious illness, disablement or death. You purchase a policy from a life insurance provider and pay regular premiums for it (either weekly, monthly or annually). In return, they agree to pay a substantial sum of money to your beneficiaries (the people you list on your policy) if you are seriously injured, become ill or die. With most life insurance policies, you will usually receive your payout in the form of a lump-sum payment.
Yes. Farmers can choose from a range of life insurance options, including:
Insurers classify different types of agricultural workers based on the kind of work they do. This means that there are different classifications for different farmers. Here are some common ways insurers might categorise you:
| Job type | Classification |
|---|---|
| Farm labourer/employee | High risk. Farmworkers will typically have to pay a higher premium to get life insurance. |
| Farm manager | This depends on the individual considerations of your role, your duties and where you live. |
| Farm owner | Medium to high risk. You will likely have a premium loading applied to your policy. However, harvesting contractors are often uninsurable. |
Some of the benefits of getting life insurance if you are a farmer include:
To ensure you know exactly what you're paying for, be aware of the following criteria:
Life insurance provides financial protection if something life-changing happens to you, like a serious illness, disablement or death. You purchase a policy from a life insurance provider and pay regular premiums for it (either weekly, monthly or annually). In return, they agree to pay a substantial sum of money to your beneficiaries (the people you list on your policy) if you are seriously injured, become ill or die. With most life insurance policies, you will usually receive your payout in the form of a lump-sum payment.
Yes. Farmers can choose from a range of life insurance options, including:
Insurers classify different types of agricultural workers based on the kind of work they do. This means that there are different classifications for different farmers. Here are some common ways insurers might categorise you:
| Job type | Classification |
|---|---|
| Farm labourer/employee | High risk. Farmworkers will typically have to pay a higher premium to get life insurance. |
| Farm manager | This depends on the individual considerations of your role, your duties and where you live. |
| Farm owner | Medium to high risk. You will likely have a premium loading applied to your policy. However, harvesting contractors are often uninsurable. |
Some of the benefits of getting life insurance if you are a farmer include:
To ensure you know exactly what you're paying for, be aware of the following criteria:
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