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Farmers Disability Insurance

Talk to an Adviser about Farmers Disability Insurance. They can:

Find the best products for your budget and needs

Provide customised advice and keep your insurance up-to-date

Be impartial, as they are not Asteron Life employees

What is Farmers Disability Insurance?

If you’re out of action due to sickness or injury, we’ll pay a benefit of up to 35% of the farm’s turnover – up to a maximum of $10,000 per month.

There are a few reasons why this insurance cover is so popular:

  • It allows you to hire a contractor to perform the day-to-day duties that you’d usually take care of yourself
  • The benefit is based on the farm’s turnover, so there’s no need to prove your individual income at claim time


Farmers Disability Insurance benefits

Monthly benefit

This helps ensure the running of your farm if you’re totally unable to work.

Recurrent Disability

Restarts your benefit immediately if you suffer the same disability within 12 months – waiving your waiting period.

Disability reset

Restarts your benefit period for a new or related sickness or injury. 

Payment while overseas

You’ll get this if you’re disabled while out of the country.

Inflation adjustment

Each year your sum insured can be increased without the need for further medical or financial underwriting.

Optional benefits you can choose to include:

If you have an existing policy with Asteron Life, your policy may be different from our current on-sale products, so it’s a good idea to check things with your adviser.

There are terms and conditions that apply to all benefits within Farmers Disability Insurance. Don't worry though, your adviser can take you through these and what they mean.

Other types of cover

While the Farm is taken care of with Farmers Disability Insurance, it’s worth looking at Trauma Recovery Insurance to help with your personal finances. This will provide you with a lump sum payment if you suffer from one of 48 medical events, conditions or surgical procedures.


Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.

Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!

Simon Evans had always insisted that Multiple Sclerosis was never going to define him. Thanks to his Income Protection Cover with Asteron Life it never has.

Ready to speak to an adviser?

If you would like to know more about Farmers Disability Insurance we can put you in touch with an adviser who can explain the different options available.

Speak to an Adviser

Frequently asked questions

Why is there a separate cover for farmers?

Running a farm is a bit different to running any other business. We use a different way of calculating the benefit for this cover, because farmers’ incomes can be impacted by so many different factors from year to year. The definition of disability is also different for this cover, which recognises the unique situation of a farmer.