Variable Universal Life*

Variable Universal Life insurance offers the life protection with the ability to invest contract values in a variety of investment choices that fit your and your family's needs and objectives.

A Variable Universal Life policy offers you:

• Flexible coverage
• Investment options that fit your risk comfort level and adjustable to your needs and objectives as they change.
• The benefit of potential tax deferred growth on contract or cash values (withdrawals or surrenders of contract or cash values may be subject to tax)

Variable universal life insurance is subject to insurance related charges and fees. The prospectuses contain this and other important information.

Contact a Farmers Insurance and Financial Services Agent today to help you develop a strategy that meets your individual goals and objectives.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so investors may lose money including lose of principal invested. Purchasers of variable insurance contracts should consider investment objectives, risks, charges and expenses of the investments or the underlying investment options of the variable insurance contracts carefully before investing or purchasing. The prospectuses contain this and other important information. Please contact your Farmers Insurance and Financial Services Agent for prospectuses and read them carefully before selecting your investments or underlying insurance investment options.

Past performance of any investment does not guarantee future results; investment returns will fluctuate so that an owner's shares, when redeemed, may be worth more or less than their original cost. Performance of variable insurance contracts will also be affected by annual mortality and administrative expenses and is subject to a declining deferred surrender charge.

Partial withdrawals are at net asset value and may be more or less that the original amount. Withdrawals may be taxable and may reduce the value of the death benefit. Upon surrender, a taxable gain may be recognized. Please consult your tax preparer or CPA.

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