Maybe you’re shopping for your first house together. Or you’re planning to have children — but not for a few years. Perhaps your next promotion will put you on the leadership team. Change is a constant in life — and often brings new needs and priorities.
Farmers New World Life Insurance Company offers universal life coverage that’s designed to adapt with features like:
Your Farmers® agent can provide insights as you choose your coverage. And here are a few ways universal life may help you:
You want financial flexibility — and the ability to diversify the assets in your financial portfolio.
Farmers EssentialLife® Universal Life2 lets you set the frequency and amount of your premiums — and even adjust your policy’s face value, subject to underwriting guidelines. You may have access to a cash value3 that earns interest, and growth is generally income tax-deferred.4
You want the flexibility of universal life, and the potential for gains when there’s growth in the market — but you’d also like to help protect your assets when the market underperforms.
Farmers Index Universal Life®6,7 allows you to allocate part of your premium in indexed S&P 500® or Russell 2000® accounts — you can choose either or both to help you grow your cash value. Unlike investing directly in the stock market, the Farmers Index Universal Life policy provides a 0% floor that may help you protect your assets from market-related losses in years when indexes perform poorly.
Farmers Life® has spent over 100 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a universal life insurance quote. Be sure to let a Farmers agent deliver personalized service and support.
To learn more about what Farmers can do for you, call an agent today.
It only takes a few minutes to discover which type of life insurance you may want to consider.
Russell 2000® is the most widely quoted measure of the performance of small-cap stocks traded in the U.S.
Indexed account credits are calculated at the end of each one-year segment for each indexed account. The growth rate is calculated based on the value of the index at the end of the segment compared to the value of the index at the beginning of the segment. The growth rate is then multiplied by a participation rate and capped at the cap rate declared by the company, and cannot be less than the minimum guaranteed rate of 0%.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Farmers New World Life Insurance Company (FNWL). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by FNWL. Farmers Index Universal Life (FIUL) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Russell Investment Group.
Farmers Index Universal Life ("IUL") is not promoted, sponsored or endorsed by, nor in any way affiliated with Russell Investments (“Russell”). Russell is not responsible for and has not reviewed the IUL nor any associated literature or publications and Russell makes no representation or warranty, express or implied, as to their accuracy, or completeness, or otherwise.
Russell reserves the right, at any time and without notice, to alter, amend, terminate or in any way change the Russell Indexes. Russell has no obligation to take the needs of any particular fund or its participants or any other product or person into consideration in determining, composing or calculating any of the Russell Indexes.
Russell’s publication of the Russell Indexes in no way suggests or implies an opinion by Russell as to the attractiveness or appropriateness of investment in any or all securities upon which the Russell Indexes are based.
Russell makes no representation, warranty or guarantees as to the accuracy, completeness, reliability or otherwise of the Russell indexes. Russell makes no representation, warranty or guarantee regarding the use, or the results of use, of the Russell indexes or any data included therein, or any security (or combination thereof) comprising the Russell indexes. Russell makes no other express or implied warranty, and expressly disclaims any warranty, of any kind, including without limitation, any warranty of merchantability or fitness for a particular purpose with respect to the Russell index(es) or any data or any security (or combination thereof) including therein.
All product guarantees are subject to the financial strength and claims-paying ability of Farmers New World Life Insurance Company, who is solely responsible for the obligations under its own policies.