---
title: Life Insurance for Farmers and ranchers | Coverfolk
url: https://coverfolk.com/jobs/farmers
updated: 2026-10-08
---

# Life insurance for farmers and ranchers

Farm work can be dangerous. BLS says tractors and farm machines can cause serious injury, and farm chemicals can be harmful.

[Find my coverage gap](/jobs/farmers/calculator)

Updated October 8, 20263 sources[Fact checked](/editorial-standards)

**788,700**About 788,700 farmer, rancher, and agricultural manager jobs (2025)[Source: BLS OOH: Farmers, Ranchers, and Other Agricultural Managers](https://www.bls.gov/ooh/management/farmers-ranchers-and-other-agricultural-managers.htm)

**19**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**5.4x**the average risk at work, based on the BLS rates

[### farmers and ranchers coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/farmers/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/farmers/on-the-job-death)

## Why 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.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Farmers, Ranchers, and Other Agricultural Managers](https://www.bls.gov/ooh/management/farmers-ranchers-and-other-agricultural-managers.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)

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