Farmers Index Universal Life Insurance Important Disclosures
2 Policy loans and withdrawals 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 withdrawals may be subject
to taxes and penalties.
3 The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by
Farmers New World Life Insurance Company (FNWL). Standard & Poor’s®, S&P® and S&P 500® are registered
trademarks of Standard & Poor’s Financial Services LLC (“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.
4 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.
5 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%.
6 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy
in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be
taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal
or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax
consequences and advice on any particular transaction.
7 This policy may lapse if premiums are not paid or if premiums are not sufficient to continue coverage.
8 Available at additional charge.
9 A Multiple Policy Customer Rate Class may be available for customers with a new or existing Farmers policy.