farmers and ranchers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, farmers, ranchers, and agricultural managers had a fatal injury rate of 19.0 per 100,000 full time workers. The rate for all workers was 3.5.
About two out of three farmers are self employed. There is no work plan. Life insurance can help your family keep the farm and pay the loans.
- About 67 percent of farmers, ranchers, and agricultural managers are self employed, so most have no employer life coverage.
- Think about your mortgage and other debts when you decide how much coverage you need.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Type of farm or ranch
- Machinery and chemical use
- Farm loans and debts
- Health, age, and tobacco use
Common questions
Can farmers get life insurance?
Yes. Your work may affect your price. Insurers look at your job, age, health, and tobacco use.
How much coverage should a farm family get?
Count your mortgage, farm loans, other debts, lost income, and funeral costs.
I am self employed. Do I have any coverage?
Only what you buy yourself. There is no employer plan.
