Whole Life insurance is a permanent life policy designed to last for the insured's lifetime. Premiums are typically level and guaranteed for the life of the policy.

Whole Life Policies

The cash value of a whole life policy accumulates at a guaranteed interest rate, unlike a Universal Life policy, in which cash value builds based on a current interest rate that may fluctuate. The policy owner generally may borrow against the cash value during the insured's lifetime. Some Whole Life polices can produce excess credits, which you can use to purchase additional paid-up life insurance, increasing the available death benefit.

Farmers EssentialLife^® Simple Whole Life¹

Farmers EssentialLife® Simple Whole Life is a modernized Whole Life insurance policy combining the traditional guarantees of Whole Life with flexible riders, Excess Credits, and a Farmers Customer Discount‡ for customers with other Farmers Insurance policies.

As a Whole Life policy, Farmers EssentialLife® Simple Whole Life features guaranteed level premiums, payable to age 100, and guaranteed cash values. As long as premiums are paid, the policy remains in force until the insured's attained age of 121, at which time the policy matures and the owner receives the cash value minus any accumulated loans and interest.

Unlike Universal or Variable Universal Life insurance policies, the cash value, premium requirements, and death benefit of the Farmers EssentialLife® Simple Whole policy do not vary based on prevailing interest rates or market performance. This makes it a suitable product for customers seeking maximum certainty in lifetime policy premiums and coverage.

Features

• Simplified Underwriting
• Farmers Customer Discount
• Approval in only a few minutes, while you are meeting with your local agent

Farmers Graded Death Benefit Whole Life²

The Farmers Graded Death Benefit Whole Life is a whole life policy for those who need permanent insurance coverage with cash values and guaranteed level premiums to help them prepare for life's unexpected expenses.

With simplified underwriting process, Farmers Graded Death Benefit Whole Life could offer highly rated otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

• Simplified Underwriting
• No Medical Exam, Only Three Simple Health Questions
• Cash Value Growth
• Farmers Customer Discount

Farmers Premier Whole Life³

Farmers Premier Whole Life and Farmers Premier Endowment at Age 100 for Indiana, provides level coverage for the life of the insured. The policy features guaranteed level premiums for the life of the policy and builds cash values.

• Optional Benefits While You're Living
• Cash Value Growth
• Lifetime Level Premiums
• Life time Coverage

¹Policy Form 2008-352
²Policy Form numbers ICC11-2011-123, 2011-123 series. Farmers Graded Death Benefit Whole Life Insurance policy. Limited Death Benefit during the first two policy years.
³Policy Form 1995-112 series
‡Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your Farmers agent for more details.

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