Farmers EssentialLife® Universal Life1

Universal Life is a variation of Permanent Life insurance. The major advantage of Universal Life insurance with Farmers is that it offers a considerable amount of flexibility to the policyholder. With Universal Life insurance, premiums and frequency of payments are flexible, the benefits and protection level of the policy is adjustable, and the policy accumulates cash value over time.

Farmers EssentialLife 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-deferred2 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.


As your life changes – marriage, parenthood, job promotions, retirement – keep in mind that your Life insurance needs will change as well. Learn more about Universal Life insurance from your local Farmers agent.

Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040. Products and features may not be available in all states and may vary by state.

1 Policy Form 2006-044. This policy may lapse if premiums are not paid or if future premiums are not sufficient to continue coverage.
2 For informational purposes only.  Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

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