Farmers Whole Life insurance

Farmers Whole Life Insurance policies lock in a level premium for a lifetime and provide living benefits for yourself in the form of cash value.

Our GIB option on juvenile policies also lets you purchase additional insurance at various life stages. This benefit allows the insured to buy more whole life insurance at ages 25, 28, 31, 37 and 40 and when major life events occur.

You can build extra cash reserve for the future by taking advantage of the "deposit fund" rider (not available in Tennessee or Kentucky).

*Take a closer look at the Farmers Whole Life:

Fixed Premium Whole Life*

Fixed Premium Whole Life is a permanent policy with two important benefits:

• Constant level of protection and constant premiums until age 100
  
• Built-in cash value, guaranteed to increase at 4 ½ percent yearly for the life of the policy.

*Fixed Premium Whole Life (policy form number 1992-105). Issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040. Products and features are not available in all states and may vary by state.

Farmers Premier Whole Life is a great solution for:

• Young adults just beginning an insurance program
  
• Families needing protection while saving for the future
  
• Professionals who require a lot of short-term insurance coverage with the optional OYT rider (policy form 1995-512 OYT)

If you want the security of traditional whole Life insurance -- and the flexibility to add special one-year term (Policy form 1995-512 OYT) and single premium riders (policy form 1995-312 SP series) and other options. It also has an Excess Credits feature that can mean added insurance benefits or cash back.

Premier Whole Life options

You can tailor a Farmers Premier Whole Life policy with a menu of special riders to suit your needs:

• The One-Year Term Rider enables you to combine permanent and temporary, renewable term coverage
  
• The Single Premium Paid-Up Rider means added insurance coverage and cash value
  
• Other riders to choose from: Waiver of Premium (policy form 1995-97 series), Accidental Death Benefit (policy form 1995-100 series), Children's Rider (1987-107 CTIR series), Deposit Fund [1994-10,000 RDF series, 1994-10,001 PDF series, 1994-10,002 RPDF and 1994-10,003 RPDF (w)]. Deposit fund not available in Tennessee or Kentucky. 
   

Farmers Premier Whole Life has a built-in feature, "excess credits," that could result in credit depending on the company's mortality and expense experience. Excess credits may generate additional funds over the policy's guaranteed cash value. You can choose what to do with your excess credit funds:

• Add them to the deposit fund (except in Kentucky or Tennessee)
  
• Use them to buy more insurance coverage
  
• Apply them toward your premium payment or simply take them in cash 
   

Farmers Juvenile Premier Whole Life (policy form 1995-112)

Farmers Juvenile Premier Whole Life*

Why buy Life insurance for your child? The earlier you begin, the lower the costs and the longer the policy has to accumulate cash value. You're also protecting the child in case health or other factors become a barrier in qualifying for Life insurance in the future. You can purchase Farmers Juvenile Premier Whole Life for children from 15 days to age seventeen - all for a few dollars a month. So, give your child or grandchild all the benefits, possible excess credits (see above), riders and options of Premier Whole Life.

If you're purchasing Juvenile Premier Whole Life for a child you love, you can also purchase a special rider that waives premiums in case of your death or disability. Farmers Juvenile Premier Whole Life is a great way to get your children's or grandchildren's insurance planning started right.