You can build extra cash reserve for the future by taking advantage of the "deposit fund" rider. Payments into the fund can be made at any time.  These payments, or even withdrawals from the fund, will not affect the basic policy's death benefit.  Interest is earned at a competitive rate compounded annually. The interest rate that this fund earns will never be less than the guaranteed stated minimum.

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

• A constant level of protection and constant premiums until age 100
• Built-in cash value guaranteed to increase at 4.5% yearly for the life of the policy
  

Premier Whole Life: a great solution for young adults just beginning an insurance program, families needing protection while saving for the future, and professional who require a lot of short-term insurance coverage with the option OYT rider.

• The security of traditional whole life with the flexibility to add special one-year term and single premium riders
• Excess credits feature that can mean added insurance benefits or cash back
• Other riders include:
  • Accidental Death Benefit
  • Children's Rider
  • Deposit Fund
    

Juvenile Premier Whole Life: insurance for your child with the lower cost and longer policy to accumulate cash value. It also protects the child in case health or other factors become a barrier in qualifying for life insurance in the future. You can purchase Juvenile Premier Whole Life for children from 15 days old to age 17, all for just a few dollars a month. Special riders available include:

• Premium Waiver in case of your death or disability
• GIB option on juveline policies also lets you purchase additional insurance at various life stages. This benefit allows the insured to buy more insurance at ages 25, 28, 31, 37, and 40, and when major life events occur.
  

To find out more about Farmers Whole Life Insurance, phone our office or send us an e-mail and one of our agents will get right back to you.