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Life Insurance

Life Insurance for farmers will typically be accepted at normal terms with most insurance providers. The insurer will be more focused upon your health, abroad travel and hobbies rather than your occupation.

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Critical Illness Cover

Critical Illness Cover for farmers will also generally be available at standard terms with many insurers. Insurance providers are aware that there are significant health and safety standards within the farming industry that should prevent an occupational accident causing a serious condition. The insurer will instead focus upon your medical history, planned trips abroad and any hazardous leisure pursuits you undertake.

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Income Protection

Farmers Income Protection policies are available with a few insurance providers with an own occupation definition. You ideally want an own occupation definition for the policy, as this will mean that any claim that you make is assessed on your ability to work as a farmer. A suited occupation or any occupation definition will result in any claim that you place being assessed on your ability to perform any like job or any job at all. A 'suited occupation' or 'any occupation' definition will result in any claim that you place being assessed on your ability to perform any like job or any job at all. This means that the policy will be harder to claim on as the insurer could say that you are still able to do a job other than you own. Our financial advisers can ensure that your application is placed with the correct insurer to enhance your chances of being offered an own occupation policy.

Income Protection for farmers comes with a deferment period of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. You should consider any employment benefits you have, savings in place and budget for the Income Protection policy when you make the decision as to which deferment period suits you. The shorter the deferment period that you choose, the shorter the time will be that you need to wait to receive your policy payments. Our financial advisers regularly help clients to determine which deferment period best suits their individual circumstances and we are happy to discuss the benefits of different options with you.

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  • Farmhand
  • Agriculturer

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Farmers are responsible for tending the land to grow crops and raise animals for society to use. The greatest risks presented to the majority of farmers in their regular duties come from equipment safety and the unpredictable nature of the animals they tend. Dependant upon the purpose of the farm it is possible that additional risk may be presented by the use of chemicals in the development of produce.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research

  • None