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Misconception #9

The Great Wall... From Space

The Great Wall of China is the only man-made structure visible from outer space.

In Actuality...

Fact #9

The Great Wall... From Space

In reality, you can't see the Great Wall of China with an unaided eye from space. It's not possible, even from low Earth orbit.
Source: NASA.gov

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Misconception #18

The Stay-at-Home-Parent

If you are a stay-at-home parent, you don't need life insurance.

In Actuality...

Fact #18

The Stay-at-Home-Parent

The cost of childcare, housekeeping, transportation, and the many other contributions a stay-at-home parent makes, can add up to $67,000 a year. That's why it's important for a stay-at-home parent to have life insurance protection in the event you need to replace their services.
Source: Insure.com

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Misconception #5

Lightning
Strikes

Lightning never strikes the same place twice.

In Actuality...

Fact #5

Lightning
Strikes

Lightning tends to strike the same place over and over again. The Empire State Building gets hit about 100 times a year. Any tall structure or tree is prone to multiple hits from lightning during electrical storms.
Source: NASA.gov

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Misconception #31

Mount Everest

Mount Everest is the 'tallest' mountain in the world.

In Actuality...

Fact #31

Mount Everest

The summit of Everest is officially higher above sea level than the summit of any other mountain, but Mauna Kea in Hawaii is the tallest when measured from base to summit.
Source: USGS.gov

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MISCONCEPTION #7

My Health Disqualifies Me From Life Insurance

Pre-existing medical conditions make applying for life insurance a waste of time.

In Actuality...

FACT #7

My Health Disqualifies Me From Life Insurance

Some life insurance policies may be available in spite of a range of health conditions. These policies can have higher costs and may have lower coverage limits. Additionally, an accidental death insurance policy^9,10 requires no medical underwriting, but only pays out if the death is due to an accident covered by the policy.

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Misconception #27

Bats Are Blind

The saying "blind as a bat" must be true!

In Actuality...

FACT #27

Bats Are Blind

Bats are not blind. Most bats can see as well as humans. Since many kinds of bats hunt insects at night, they have an additional trick called echolocation for finding their way in the dark. Fruit bats have eyesight that is adapted to low-light, much like cats. Fruit bats also see in color.
Source: Batworld.org

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Exclusions, Limitations and Disclosures

¹ Cash values may be accessible through policy loans. Policy loans that are not repaid and partial surrenders will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and surrenders may be subject to taxes and penalties.

² Policy Form ICC18-TERM (FVT) or applicable state variation. Available face amounts may vary. Premiums are subject to change after the initial term period.

³ Policy Form ICC18-TERM (ST) or applicable state variation. Available face amounts may vary. Premiums are subject to change after the initial term period.

⁴ The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

⁵ This policy may lapse if premiums are not paid or if premiums are not sufficient to continue coverage.

⁶ The amount you need to pay to prevent your policy from lapsing will increase over time.

⁷ Policy form 2013 ADB or applicable state variation. Farmers Accidental Death Insurance currently available for purchase online in: AL, AR, AZ, CA, GA, IA, IN, KS, MO, NC, ND, NE, NM, NV, OR, SD, TN, TX, UT, WI and WY.

⁸ This is an accidental death only policy. No benefits are paid for a death from sickness, disease or natural causes. We will not pay the Insured Benefit for a death which is caused by, results from, or is contributed to by:

Suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane;
declared or undeclared war on any act of war;
injury sustained while performing military duty or active service;
participating in a riot;
committing a felony;
sickness or its medical or surgical treatment, including diagnosis or any bacterial infection except through a wound accidentally sustained;
operating or riding in any kind of aircraft except as a fare paying passenger on a commercial flight;
voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
being under the influence of alcohol or having a blood alcohol level at or above the legal limit at which it is unlawful to operate a motor vehicle (as defined in the state where the accident occurred);
taking any drug, medication, narcotic or hallucinogen unless as prescribed by a physician;
operating a mechanical or motorized device or motor vehicle while having a blood alcohol level at or above the legal limit at which it is unlawful to operate the mechanical or motorized device or motor vehicle (as defined in the state where the accident occurred, or, if there is no limit specific to the motorized device, the limit at which it is unlawful to operate a motor vehicle);
riding in or driving any type of motorized vehicle in any kind of speed contest.

The above exclusions may vary by state.

^a Source: 2017 LIMRA/Life Happens Insurance Barometer Study

^b Centers for Disease Control, National Center for Health Statistics, Data Brief No. 267, December 2016

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