Worry how you could afford to pay someone else to run the farm?

Rural land owners face bigger risk to personal health than most self employed. What if you had a major health or injury problem and couldn’t work the farm for a long period of time or maybe the rest of your life? You may be able to employ a manger or worker to replace your labour, but how would you pay for them. Key person Insurance provides an agreed monthly payment that could cover that persons wages.