Special Notice for Illinois

Due to severe weather in Illinois and to comply with the Illinois Department of Insurance Company Bulletin 2018-12 -Suspension of Cancellation, Non-renewal, and Premium Payments, the Farmers Insurance Group of Companies® will be taking the following actions in and around Christian county to help ensure affected policyholders do not suffer unnecessary hardship:

• Moratorium on cancellations and non-renewals. For policyholders or property affected, we will withdraw any cancellation or nonrenewal and reinstate with no lapse in coverage any policy for which a cancellation or nonrenewal notice was issued on or after November 23, 2018. In addition, we will not issue any new cancellation or nonrenewal notices to affected policyholders or for affected property until January 23, 2019, or a later time if deemed reasonable given an individual consumer's circumstance. For affected Life policies that enter the grace period on November 23, 2018, through and including January 23, 2019, Farmers New World Life is extending the grace period 60 days. Affected Life policy owners that may receive a grace period notice or lapse notice during this moratorium will receive correspondence from the Company indicating their grace period has been extended.

• Other insurance-related time-period extensions. We will grant affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds. The extension will be 60 days from the last date allowed or required under the terms of the contract or allowed or required by the insurer, or longer if deemed reasonable given an individual consumer's circumstance.

• Time-period extension for repairs. In the event repairs on affected property cannot be completed within the time period required under any policy, or within the 90-day time period for repairs prior to termination due to condition of the property [215 ILCS 5/143.27], we will provide consumers with an extension of 60 days to make such repairs.

• Cancellation or nonrenewal respecting affected property. Although otherwise allowed under Illinois Law, we will refrain from canceling or nonrenewing insurance policies for affected property due to "increase in the risk originally accepted" [215 ILCS 5/143.21 and 143.21.1] or due to the geographic location of the risk [215 ILCS 5/155.22].

• Other exceptions to policy or contract requirements or rating or underwriting rules. We will consider exceptions to policy or contract requirements, or to other rating or underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster. Exceptions to policy or contract requirements or rating or underwriting rules include instances where an insured is displaced from his or her home and is unable to obtain non-emergency medical services from a network provider.

Please be advised you can report any disaster-related dispute or issue to the Illinois Department of Insurance by calling 1-866-445-5364, or submitting your complaint online at: https://mc.insurance.illinois.gov/messagecenter.nsf .

This action applies to Farmers Insurance Group®, Bristol West, Foremost, Farmers New World Life, Auto, Fire, Personal Umbrella, Workers' Compensation and Commercial policies.