Farmers Life Insurance Instant Life Insurance QuoteState:AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDist.ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNY Non-BusNY BusinessNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingGuamPuerto RicoVirgin IslandsAmer. SamoaBirthdate:JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember 12345678910111213141516171819202122232425262728293031 191019111912191319141915191619171918191919201921192219231924192519261927192819291930193119321933193419351936193719381939194019411942194319441945194619471948194919501951195219531954195519561957195819591960196119621963196419651966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008Gender:MaleFemaleSmoker/Tobacco:NoYesHealth Class:Preferred PlusPreferredRegular PlusRegularType of Insurance:1 Year Level Term5 Year Level Term10 Year Level Term15 Year Level Term20 Year Level Term25 Year Level Term30 Year Level Term35 Year Level Term40 Year Level TermTo Age 65 LevelTo Age 70 LevelTo Age 75 LevelTo Age 80 LevelTo Age 85 LevelTo Age 90 LevelTo Age 95 LevelTo Age 100 LevelTo Age 105 LevelTo Age 110 LevelOther Term10, 20, 30 Year TermAll Level Term Product Categories10 Year Return of Premium15 Year Return of Premium20 Year Return of Premium25 Year Return of Premium30 Year Return of PremiumTo age 65 Return of PremiumTo age 70 Return of PremiumTo age 75 Return of PremiumOther Return of Premium15, 20, 30 Year with ROPReturn of Premium ProductsTo Age 121 Level (No Lapse U/L)To Age 121 Level – Pay to 100To Age 121 Level – Pay to 65To Age 121 Level – 20 PayTo Age 121 Level – 10 PayTo Age 121 Level – Single PayFace Amount:$10,000$25,000$50,000$75,000$100,000$125,000$150,000$175,000$200,000$225,000$250,000$300,000$350,000$400,000$450,000$500,000$550,000$600,000$650,000$700,000$750,000$800,000$900,000$1,000,000$1,100,000$1,250,000$1,500,000$1,750,000$2,000,000$2,500,000$3,000,000$4,000,000$5,000,000$6,000,000$7,000,000$8,000,000$9,000,000$10,000,000Your Name:Phone Number:E-mail Address:At Farmers, we know it’s difficult to imagine a time when you won’t be there to help provide for your family. That’s why Farmers has developed a suite of Life insurance products* designed to help answer your Life insurance requirements, at any stage of life. Whether you’re a new family, empty nester, business owner, or single parent, Farmers has a Life insurance option to suit your needs and budget. For a personalized assessment of your Life insurance coverage needs, including customized Term Life insurance quotes, contact a Farmers agent.Protecting Your Family: By preparing in advance, you’ll have the peace of mind that comes from knowing you’re protecting your family’s financial future. And since Life insurance benefits are generally not taxable at the federal level**, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.Safeguarding Your Business If you’re a business owner or have business partners, it’s important to prepare for the unexpected. Farmers offers several Life insurance products that are designed to help you, as a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management, or to help provide funds in order to execute a buy-sell agreement between partners or stockholders.There’s no doubt that Life insurance provides a sense of financial security. “If all else fails,” you think, “at least I’m covered.” But determining the amount of Life insurance you need depends on a number of variables: your marital status, current income, (projected) future income, number of dependents, value of your assets, and your preferred lifestyle in general.A common rule of thumb is that your Life insurance benefit should equal 5-10 times your current income. But there’s no one answer: if you’re older, and your mortgage is paid off, you may not need as much Life insurance as a new homeowner. On the other hand, if you’re single and have no children, you may not need a policy in addition to the one available at your job.Keep in mind that until that Life insurance benefit is paid out, you are paying a monthly premium. That’s why it’s important to research your options and talk to an insurance agent who can help you determine the best policy options for your situation. Farmers offers a wide variety of term and permanent Life insurance coverage, with a range of premium levels to choose from.In a nutshell, Life insurance comes in two flavors: Term and Permanent. FarmersÂ® offers several options for both types of Life insurance coverage.Term Life Insurance Term Life insurance provides the greatest amount of coverage for the lowest initial cost so it is a good choice if your needs are temporary or your funds are limited. Since term insurance provides coverage for a specific period of time (the “term”), you will have to choose the number of years you will need coverage. The Company pays a death benefit only if you die during that term. Some term insurance policies can be renewed at the end of the term. Premium rates may increase at each renewal date. Term insurance is useful as coverage for responsibilities that will diminish or end over time, such as mortgages or car loans. Farmers offers several Term Life Insurance options to choose from.*Permanent Life Insurance. Permanent Life insurance coverage is useful when you anticipate a long-term need and value the option of income-tax-favored accumulation for future needs. The accumulated value can be borrowed against and, in some cases, withdrawn to help meet future goals. (Of course, accessing your accumulated value may reduce your death benefit). As long as you pay the necessary premiums, there is no time limit (or term) restriction on the availability of your death benefit.Farmers Term Life insurance could be the right choice when you’re looking for temporary coverage to fit your current family or business needs. These policies generally provide the most coverage for your insurance dollar. What’s more, several of the policies are renewable or convertible to permanent coverage that lock in your premium cost over the life of the policy.Life insurance issued by Farmers New World Life Insurance Company, Mercer Island WA 98040.Farmers Level Term 20001Features:2 Three level term to age 90 products, all having different premium structures:30-year product with level premiums guaranteed for 30 years.20-year product with level premiums guaranteed for 20 years.10-year product with level premiums guaranteed for 10 years.In each case, after the level premium period, the projected premiums and the guaranteed maximum premiums increase annually.Critical Illness Accelerated Benefit rider3 Critical Illness pays you a lump-sum benefit upon your first diagnosis of a covered condition, as defined in the policy contract, after the waiting period. You may spend the benefit as you choose, to meet your individual needs.Accelerated Benefit – Terminal Illness Rider4 This rider pays a part of the policy’s Death Benefit while you are still living if a physician diagnoses you with a terminal illness, as defined in the policy contract. The maximum benefit available is $150,000 or 50% of the policy’s Death Benefit. You may spend the benefit as you choose, to meet your individual needs.Other Riders Available: Waiver of Premium5, Accidental Death Benefit6, Children’s Term Insurance Rider7, Deposit Fund8Auto/Life and Home/Life Discounts:9 In addition to providing inexpensive coverage for your temporary Life insurance needs, Farmers Term Life insurance policies may qualify you for discounts on your Farmers Auto insurance and Farmers Homeowners insurance. Ask your Farmers agent for details.Re-entry: At the end of the first policy term, you may re-enter for another level premium period at favorable rates if you meet medical qualifications in effect at the time you request re-entry. Re-entry provisions vary by policy term.Conversion: You may convert all or part of your Term policy to a permanent policy any time prior to 20 policy years or age 65, whichever is earlier. You may convert your policy to any permanent policy made available for conversion at the time of the request, subject to minimum and maximum face amounts.Ages Available:30-Year: 18-45 Nicotine Class 21-50 Non-nicotine Classes20-Year: 18-60 Nicotine Class 21-60 Non-nicotine Classes10-Year: 18-65 Nicotine Class 21-65 Non-nicotine ClassesApplication Minimum: $150,000Farmers Simple Term Life Insurance1Features2: Farmers Simple Term Life insurance coverage does not require a medical examination, which simplifies the Life insurance application and accelerates the underwriting process. Simple Term offers level term insurance with face amounts low enough to fit most budgets and guaranteed premiums that are level for 10, 20 or 30 years.Farmers Customer Discounts:3 Farmers Auto and Homeowner (including renters) customers could save up to 6% on their Simple Term Life insurance premium rates, whether they have existing Auto or Homeowner coverage or if they are applying for this coverage simultaneously.In addition, Farmers customers can save on their Auto, Homeowners, and Life insurance premiums!Riders And Benefits:2Accelerated Benefit – Terminal Illness Rider4 This rider pays a part of the policy’s Death Benefit while you are still living if a physician diagnoses you with a terminal illness, as defined in the policy contract. The maximum benefit available is $150,000 or 50% of the policy’s Death Benefit. You may spend the benefit as you choose, to meet your individual needs.Other Riders Available: Waiver of Premium5, Accidental Death Benefit6Conversion Provisions:You may convert all or part of your Select Plus non-nicotine Simple Term policy to any permanent product currently available at any time prior to the earlier of 20 years or the anniversary following your 65th birthday (or if issue age is 65, during first year after issue). Policies in the Select and Special non-nicotine or Select and Special nicotine classes may be converted only to the Fixed Premium Whole Life insurance product7.Re-Entry Provisions: Re-entry with evidence of insurability is allowed immediately after the initial level term period, but not sooner (subject to issue age maximums).Ages Available:10-Year: 18-65 Nicotine Class 21-65 Non-nicotine Classes20-Year: 18-60 Nicotine Class 21-60 Non-nicotine Classes30-Year: 18-45 Nicotine Class 21-45 Non-nicotine ClassesApplication Minimum: $75,000Maximum face amount: $150,000Life insurance issued by Farmers New World Life Insurance Company, Mercer Island WA 98040Farmers Decreasing Term Life Insurance1Features:2 Farmers Decreasing Term Life insurance has decreasing term coverage with premiums guaranteed to remain level as long as the policy is in force, which can help you provide protection for your family in your absence to pay for a variety of expenses such as a home mortgage or other similar types of costs.The death benefit decreases monthly, which, for example, could follow the declining loan balance of a traditional fixed home mortgage. Once the death benefit decreases to a level equal to 20 percent of the initial face amount, it remains level until expiration.Riders2 The First-To-Die Plus Rider3 allows two people to be insured at a reduced rate. The rider does not have to be the joint mortgagee or spouse. Both the basic insured and First-To-Die Plus Rider’s remaining death benefit is convertible to a permanent policy during the first 10 policy years and before age 65.The First-To-Die Plus Rider may be separated to its own policy upon the policy owner’s request any time while the basic policy is in force or within 60 days of the death of the basic insured. A policy fee will apply to the separated policy.Also Available: Waiver of Premium4, Accidental Death Benefit5, Children’s Term Insurance Rider6, and Deposit Fund7.Auto/Life and Home/Life Discounts: In addition to providing inexpensive coverage for your temporary Life insurance needs, Farmers Term Life insurance policies may qualify you for discounts on your Farmers Auto and Farmers Homeowners insurance8. Ask your Farmers agent for details.Ages Available: Nicotine: 18-65 (15 Yr.) 18-60 (20 Yr.) 18-55 (25 Yr.) 18-50 (30 Yr.)Non-nicotine: 21-65 (15 Yr.) 21-60 (20 Yr.) 21-55 (25 Yr.) 21-50 (30 Yr.)Whole Life Insurance: Permanent Life coverage that is provided for the insured’s lifetime. Premiums are usually level, and guaranteed for the life of the policy. Whole Life policies build cash value that the policy owner may borrow during the insured’s lifetime, at a reasonable rate of interest. If there is an outstanding loan at the time of the insured’s death, the death benefit is reduced by the loan amount.Farmers Premier Whole LifeÂ®â€ Features: If you want the security of traditional whole Life insurance — and the flexibility to add special one-year term and single premium riders and other options. It also has an Excess Credits feature that can mean added insurance benefits or cash back.Farmers Premier Whole Life1 can beÂ great solution for:Young adults just beginning an insurance programFamilies needing protection while saving for the futureProfessionals who require a lot of short-term insurance coverage with the optional One Year Term RiderFarmers Premier Whole Life is a nonparticipating policy that features level premiums guaranteed over the life of the policy, a level death benefit (for the base policy) and guaranteed cash values.Excess Credits: Excess Credits are based on future expectations of mortality, investments and expenses, and may be paid throughout the life of the policy. They may be taken in cash, added to the Deposit Fund (except in Kentucky and Tennessee), used to purchase Paid-Up Additions or applied to pay future premiums. These credits are not guaranteed and the Company reserves the right to pay lesser amounts on substandard policies and policies with outstanding loans.Riders Available: One-Year Term Rider2 (only available at issue), Single Premium Paid-up Rider3(only available at issue), Waiver of Premium4, Accelerated Benefit Rider-Terminal Illness5, Accidental Death Benefit6, Children’s Term Insurance Rider7, Payor Death and Disability8 (for juvenile policies), Additional Insured Rider9 and Deposit Fund10 (Retirement Premium Deposit Fund in KS; not available in KY and TN). Guaranteed Insurability Benefit11 is available on juvenile policies only (issue ages 0-15.)Auto/Life and Home/Life Discounts: In addition to providing inexpensive coverage for your temporary Life insurance needs, Farmers Term Life Insurance policies can qualify you for discounts on your Farmers Auto and Farmers Homeowners insurance. Ask your Farmers agent for detail12.Ages Available: 18-80 Nicotine Class 21-80 Non-nicotine Classes 0-17 for juveniles (conversion to Non-Nicotine status at age 21, if eligible)Application Minimum (varies by premium band): Band I, $10,000 – $24,999 (ages 0-50) and $25,000 – $99,999 (ages 51-80); Band II, $100,000 – $249,999; Band III, $250,000 and higher.Farmers Fixed Premium Whole Lifeâ€ Features:Farmers Fixed Premium Whole Life13 is a permanent policy designed for fast underwriting of smaller death benefit amounts. This policy may be able to fill a variety of client needs including:Older customers, particularly those age 55 and older, who are interested in a policy to cover final expenses.Associations or organizations seeking small amounts of insurance for members who have no employer/employee relationship.Farmers Fixed Premium Whole Life is specifically designed for efficient underwriting and issue service. Although this is not a guaranteed issue product and each application will be underwritten, in most cases a policy can be issued within a few days.Farmers Fixed Premium Whole Life has these two important features:Constant level of protection and constant premiums until age 100.Built-in cash value, guaranteed to increase at 4 Â½ percent yearly for the life of the policy.Farmers Fixed Premium Whole Life is a nonparticipating whole Life insurance product that provides a level amount of protection with level premiums to age 100. The policy features guaranteed cash values at a 4 Â½ percent interest rate. Policy loans, as well as Reduced Paid-Up and Extended Term nonforfeiture options are available. If the insured is living at age 100, the face amount, less any outstanding loan, is paid as an endowment.Ages Available: 21-80 (All states except Washington) Washington: male 21-66 female 21-71Application Minimum: $10,000 for ages 21-50 $5,000 for ages 51-80Application Maximum: $25,000 for ages 21-65 $15,000 for ages 66-80.