Life_Insurance

Term Life Insurance

Farmers Flexible Universal Life

Farmers Juvenile Premier Whole Life

Farmers Level Term 2000 Policies

Whole Life Insurance Policy

Life insurance is one of the most difficult discussions to have because it requires us to think about dieing. It is also one of the most important and selfless things that you can do for your family. If you died today, what would you like to happen to make sure your family is taken care of? Pay off debt, provide income to your family, pay off the mortgage, and provide an education for your children. These are just some of the things you may want to consider when thinking about how much insurance you need.

Fill out the form below for additional information about life insurance. We will ask the difficult questions to make sure you family is protected in the event of the unthinkable. There are definitions of available coverages to aid your understanding below the form. We look forward to providing you with excellent service.

If you are searching for a Life insurance policy and want to pay a set premium, Term Life Insurance may be a good option. Simple and straightforward, the protection period is specified and the premiums stay the same.

Sometimes having a little bit of flexibility is nice. A Flexible Universal Life policy allows you to change the type of coverage you have, as well as the death benefit amount.

Children and young adults don't have the same Life insurance needs that adults do. A Premier Whole Life Policy is designed specifically to provide coverage for their needs.

Sometimes having additional temporary coverage offers you the peace of mind and protection that you need. Affordable and level in coverage, a Farmers Level Term 2000 policy may be a good product for you.

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Want a lifetime of coverage that provides the living with a cash benefit? A Whole Life Insurance policy may be a good option for meeting your needs.

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	Waiver of Premium	This option allows the waiver of premiums that become due during a qualified disability, thus protecting the insured against loss of valuable Life insurance coverage
	Accidental Death Benefit	Provides an extra amount of insurance if death occurs as the result of accidental injury as defined in the policy, within 90 days of the injury or before the insured reaches age 70.
	Children's Term Insurance	Offers from two to ten $1,000 units of level term insurance to your children.
	Deposit Fund Rider	The Deposit Fund earns a competitive interest rate that fluctuates due to investment experience but is guaranteed never to fall below a 2 percent minimum.
	Accelerated Benefit	Premium-free benefit that allows the policy owner to request an advance payment of up to 50 percent of the policy face amount to a maximum of $150,000 if the insured is diagnosed with a terminal illness and is expected to live no longer than 12 months , or has a condition that requires a major organ transplant to prevent the insured's death within the next 12 months.
	Waiver of Deduction	Waives the Cost of Insurance and monthly charges if the insured becomes totally disabled before age 60.
	Critical Illness Rider	Pays a lump-sum benefit to the policy owner upon the insured's first diagnosis of a covered condition.
	Automatic Benefit Increase	This benefit provides annual increases of three percent of the original principal sum, up to a maximum of $10,000 per increase.
	Additional Insured	Level term Life insurance to the additional insured's age 70 or at the termination of the base product, whichever occurs earlier. Premiums will increase annually.
	Monthly Disability Benefit	Will begin paying benefits if an insured is disabled for six consecutive months. The monthly benefit may be from $50 to $500 but cannot exceed the planned monthly premium.