Life Insurance for Farmers: Everything You Need to Know

Get a Quote now!
Get a decision
within 24hrs
Life, Income Protection &
Critical Illness Cover
cover options

For more than twenty years, we’ve been supporting individuals engaged in risky sports and occupations. Feel free to discuss farmers’ life insurance with us. Certain farming activities pose elevated risks, given the regular exposure to dangerous machinery, hazardous chemicals, animals, work at heights, and large storage environments.

In addition, farmers are exposed to the effects of bad weather, handling heavy loads, noise and dust. Being based onsite risks can also extend to include family members working at the farm and children living at the farm.

Agricultural work can also place physical demands on a farmer due to the manual nature of work and long days. The heavy, repetitive nature of farming work may result in a range of health problems, for example, back pain.

Due to the nature of farming and its associated risks, this may lead to increased premiums. Your personal adviser will discuss the nature of your farming activities and lifestyle when we discuss your financial protection needs. We will discuss a number of questions to understand you and the type of cover you require. 

Examples of the type of questions we ask are:

  • What type of farming activities do you participate in?
  • Are you involved with any livestock and what type?
  • Do you use heavy machinery?
  • Do you work at heights?
  • How many hours do spend a day working on the farm?

Farming can be a varied occupation. The risks that come with being an agricultural farmer may be different from farmers who work dairy farming. This can be due to one operating heavy machinery and the other leading cows to pasture. 

Examples of the types of injuries farmers could face include:

  • Accidents resulting from falls, slips or trips
  • Being struck by moving machinery or animals
  • Falls whilst working at a height
  • Crush injuries from working in storage or warehousing environments with heavy items or stored produce

Some farmers may face increased premiums, due to the risks involved in their particular day-to-day activities. Your personal adviser will discuss your farming activities, health and lifestyle to understand you and your farming activities.  

In addition to life insurance for farmers, you may also want to discuss the availability of other financial protection options. These may include mortgage protection cover for farmers and critical illness cover for farmers.  

Life insurance for Farmers with Sports Financial Services

We are a team of hazardous sports and occupations specialists and we have many years of experience working with people who enjoy hazardous pursuits and hazardous occupations.

We know how important it is to find the right insurance, that best suits your needs. So, if you are a farmer looking for life insurance or other forms of financial protection, please speak to our team of specialist advisers today.

Life Insurance For Farmers FAQs

What age should you get life insurance?

Life insurance is typically recommended for adults who have dependents or financial obligations, such as a mortgage or family to support. While there’s no specific age that fits everyone, it’s advisable to consider life insurance in your 20s or 30s when you’re likely healthier and premiums are lower. However, individual circumstances vary, so it’s best to assess your financial responsibilities and consult with a professional to determine the most appropriate time for you to secure life insurance.

What is the average cost of life insurance per month UK?

Sports Financial Services offers life insurance for farmers at a monthly rate of £18.70, though the actual cost may fluctuate based on factors such as your age, health, and the specific coverage requirements.