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Universal Life InsuranceUniversal 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.

Learn more

Farmers EssentialLife® Universal Life¹

Farmers EssentialLife Universal Life is designed to help you meet your current and future Life insurance needs, and 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
  • Policyholders can take advantage of a customer discount if they have other qualifying policies with Farmers
  • A competitive interest rate is offered on the Accumulation Account

As your life changes – marriage, parenthood, job promotions, retirement – keep in mind that your Life insurance needs will change as well. Learn more about Variable 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.
+ For informational purposes only. Neither Farmers New World Life Insurance Company, nor its employees or Agents provide legal or tax advice. Each agent, policy owner, or prospect should always consult his/her own attorney, accountant, or tax adviser as to the legal, financial, or tax consequences and advice on any particular transaction.
‡ Customers may receive a customer discount on the Monthly Underwriting and Sales Expense Charge during the first 5 years after policy issuance.


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