LIFE INSURANCE - Whole Life

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

Our Whole Life plan also lets you purchase additional insurance at various life stages through a "guaranteed insurability" benefit. This benefit allows you to buy more insurance at ages 25, 28, 31, 37 and 40 and when major events occur.

You can build extra cash reserve for the future by taking advantage of the "deposit fund" benefit (Retirement Premium Deposit Fund in Kansas, not available in Tennessee).

Types of Whole Life Plans
There are three basic types of whole life plans:

Fixed Premium Whole Life:
This plan has 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 plan

Farmers Premier Whole Life
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

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 newborn (15 days or more) to age seventeen - all for a few dollars a month.