Farmers & Life Insurance

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FarmersLife insurance for farmers will typically be accepted at normal terms with most insurance providers. 

We appreciate that as a farmer some of your work can be quite risky. You often work with large machinery, near chemicals and with animals who can be unpredictable. Insurers know this but do not see your work as a risk.

Your occupation is more likely to have an influence on applying for income protection cover and we detail this later on this page.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

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.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Farmers income protection policies are available with a few insurance providers with an own occupation definition.

There are some key things that the insurer will want to know:

  • How much of your working week is manual tasks and how much is admin related?
  • Have you spent any time off work in the last couple of years due to ill health or injury?

When you apply for income protection 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. 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.

Planning on a trip? Whenever you go on holiday it’s a good idea to have travel insurance. Please visit our dedicated travel insurance page here.

  • Farmhand
  • Agriculturer
  • Equipment safety
  • Exposure to dangerous chemicals
  • Animals
  • Agricultural management
  • Farm maintenance
  • Wholesale
  • Food preparation and handling
  • Health and safety
  • Transportation of livestock

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Cura Financial Services has been rated 5 out of 5 based on 765 reviews.

Review by Jason on 29th October 2020

Top notch service, very professional and helpful. From initial contact and consultation I was thoroughly impressed. The service and professionalism provided by Alan Knowles, my advisor, was second to none. I am very impressed with the whole process, which totally met me needs and requirements. Thank you all. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


Client Reviews


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