NAVIGATING LIFE'S

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:

1. Suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane;
2. declared or undeclared war on any act of war;
3. injury sustained while performing military duty or active service;
4. participating in a riot;
5. committing a felony;
6. sickness or its medical or surgical treatment, including diagnosis or any bacterial infection except through a wound accidentally sustained;
7. operating or riding in any kind of aircraft except as a fare paying passenger on a commercial flight;
8. voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
9. 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);
10. taking any drug, medication, narcotic or hallucinogen unless as prescribed by a physician;
11. 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);
12. riding in or driving any type of motorized vehicle in any kind of speed contest.

^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