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Insurance is necessary for these people to sustain their lives. The African farmers, or as peasants do need a life or some kind of insurance. They need one because their livelihood depends on their main economic activity which is farming. The farming activities they carry out depend on rain waters. But rains, following climate changes, are no longer reliable as it was in the past.


Climate change is caused mostly by greenhouse gases produced chiefly by human activities. The human activities responsible for emissions of greenhouse gases are a result of advancement in science and technology, especially in the industrial sector. The emitted gases affect both the rich and the poor, the developed and less developed economies. The rural peasants become victims even though they are not responsible for the greenhouse gases emissions. This reason justifies why do the peasants deserve some sort of insurance.