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Farmers Life Insurance

There’s nothing more important than family, and for 100 years, Farmers has been helping families like yours protect their financial future with Life insurance, know-how, and real-world insight.

Whole Life Insurance

Whole Life insurance is a Permanent Life insurance policy – it insures you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

Term Life Insurance

Term Life insurance offers a simple and affordable Life insurance option, with level premiums for a 10-, 20-, or 30-year term.

Universal Life Insurance

Universal Life is a variation of Whole Life insurance. The major advantage of Universal Life insurance with Farmers is that it offers a considerable amount of flexibility to the policyholder.

Understanding Life Insurance

Interested in protecting your loved ones, but not sure where to begin? We’ve put our 100 years of experience and know-how at your disposal.

Finding the Life Insurance for You

Life is all about options and choices, and so is Farmers Life insurance. With a variety of coverage options and products, you can find the right coverage for your family and your needs.

Fully Responsive

We understand that Life insurance is a personal decision, and not one to make lightly. We are knowledgeable and ready to help you with the information, experience, and personalized service you need to guide you through the Life insurance process.

We’ve prepared several videos to help you

understand your life insurance options.

(click the video to watch)

Understand Your Life Insurance Options

Term Life Insurance Options

Term Life insurance policies generally offer the greatest amount of coverage for the lowest initial cost – they are the most straightforward form of coverage. If you have shorter-term needs and limited money to spend on insurance, a Term Life insurance policy may be the best fit for you.

Policyholders generally pay a premium on a monthly or annual basis for the length of that term. Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car loans, should something happen to the insured. With Term Life policies, premiums can increase at the end of the fixed-term period.

Term Life insurance policies are typically used to help provide additional Life insurance coverage during child-raising years, to help pay for short-term debts, help pay off a mortgage, or fund a college education should something unexpected happen.

Farmers Simple Term

Simple Term Life insurance coverage is designed with a simplified Life insurance application and accelerated underwriting process. This product 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.


  • Coverage starting at $75,000
  • Living benefits
  • Convertible to lifelong coverage that builds cash value regardless of health

Farmers Value Term

Farmers Value Term provides affordable Life insurance coverage with premiums that are guaranteed not to increase for 10, 20, or 30 years. When you need enough coverage to protect your family against loss of income or the cost of a mortgage, Farmers Value Term may be a cost-effective solution for you.


  • Guaranteed level death benefit
  • Guaranteed level premiums
  • Convertible to lifelong coverage that builds cash value regardless of health
  • Coverage starting $150,000

Farmers Decreasing Term

Farmers Decreasing Term Life insurance is decreasing-term coverage with premiums guaranteed to remain level as long as the policy is in force. The death benefit decreases monthly, rather than annually, to more closely 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 then remains level until the policy expires.


  • Coverage starting at $50,000
  • Living benefits
  • Convertible to lifelong coverage that builds cash value regardless of health
Whole Life Insurance Options

Whole Life is one of the most common types of Permanent Life insurance. With Whole Life insurance policies, the cash value accumulates at a guaranteed interest rate and typically the policy owner may borrow against the cash value of the policy. Some Whole Life insurance policies can produce excess credits, which can be used to purchase additional paid-up Life insurance, increasing the available death benefit.


Farmers EssentialLife Simple Whole Life

Farmers Essential Life Simple Whole Life is a modernized Whole Life insurance policy combining the traditional guarantees of Whole Life with flexible riders (available at an additional cost), Excess Credits, and Farmers Multiple Policy rates‡ for customers with other Farmers Insurance policies.

Farmers Essential Life Simple Whole Life features guaranteed level premiums, payable to age 100, and guaranteed cash values. Unlike Universal or Variable Universal Life insurance policies, the cash value, premium requirements, and death benefit of the Farmers Essential Life Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.



  • Simplified Underwriting
  • Farmers Multiple Policy rates available
  • Approval in only a few minutes, while you are meeting with your local agent

Farmers Graded Death Benefit Whole Life

To help prepare for life’s unexpected expenses, the Farmers Graded Death Whole Life is a Life insurance policy for those who need Permanent insurance coverage with cash values and guaranteed level premiums.With a simplified underwriting process, the Farmers Graded Death Benefit Whole Life policy could offer highly rated or otherwise uninsurable individuals an opportunity to obtain permanent Whole Life coverage.Features

  • Simplified underwriting
  • No medical exam, just three simple health questions to determine eligibility
  • Cash value accumulation

Farmers Premier Whole Life

For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life, and Farmers Premier Endowment at Age 100 in Indiana and Pennsylvania, features guaranteed level premiums and cash value accumulation.


  • Optional benefits while you’re living
  • Cash value accumulation
  • Lifetime level premiums
  • Lifetime Life insurance coverage
Universal Life Insurance Options

Farmers Essential Life Universal Life is designed to help you meet your current and future Life insurance needs, and potentially provide lifetime security for you and your family. It also offers income tax-deferred cash accumulation that earns a competitive interest rate to help you reach your financial goals. Universal Life insurance protects your family and offers strategies for leaving behind a legacy for your loved ones.


  • Flexibility in the policy’s face amount, as well as the amount and frequency of premium payments to adjust to your changing needs.
  • The cash value of your policy earns interest, and this growth is income tax-deferred – the cash value can be accessed almost anytime.
  • An array of optional riders and benefits are available at an additional charge to help you design coverage specific to your needs.

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