Just the facts about Variable Universal Life insurance

• What is it?

  Variable Universal Life is a type of life insurance contract that offers both a death benefit and an investment feature. The investment features typically allow you to invest your premiums in market-based "sub-accounts", which function similar to mutual funds.

• How does it help me?

  Variable Universal Life can help you:

  • Protect your Family
  • Grow your money tax deferred
  • Build cash value that you may use for financial needs such as retirement, college or an emergency (withdrawals or surrenders of contract or cash values may be subject to tax)

• What do I get?

  Variable Universal Life Insurance offers:

  • Protection - Variable Universal Life insurance offers you protection for your family when they need it most.
  • Flexibility - Flexible coverage and flexible premiums adjustable to your needs and objectives as they change throughout life.
  • Investment Choices - Variable Universal Life offer a variety of investment options that fit your risk comfort level.
  • Options - Select from various options and riders so that you can tailor your coverage to your needs.
  • Tax Deferred Growth - Variable Universal Life is tax deferred which compounds the growth of your cash value (withdrawals or surrenders of contract or cash values may be subject to tax).

Talk to your Farmers Insurance and Financial Services agent about the features and benefits of Variable Universal Life insurance. Your agent can answer your questions and help you to decide if this type of investment makes sense for you.

* Variable universal life insurance is subject to insurance related charges and fees including annual mortality, administrative expense and declining deferred surrender charges. Purchasers of variable insurance contracts should consider investment objectives, risks, charges and expenses of the contract and underlying investment options before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing.

Past performance of any investment does not guarantee future results; investment returns will fluctuate so that when shares are redeemed they may be worth more or less than the original amount invested. Withdrawals and surrenders are at net asset value, may affect the contract's performance and/or death benefit amount, and a taxable gain may be recognized. Please consult your tax preparer or CPA.

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