Farmers Universal Life Insurance Important Disclosures
2 Lifelong coverage is guaranteed as long as all premiums are paid to keep the policy in force.
3 This policy may lapse if premiums are not paid or if premiums are not sufficient to continue coverage.
4 Policy form 2006-044.
5 Policy form ICC14-FIUL or applicable state variation.
6 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%.
7 S&P 500® is an American stock market index that reflects the market performance of 500 large-cap companies.
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.
8 Russell 2000® is the most widely quoted measure of the performance of small-cap stocks traded in the U.S.
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.