FarmersĀ® Graded Death Benefit Whole Life Insurance

Are you looking to the future? Plan today for your family's tomorrow. Farmers Graded Whole Life insurance may help you prepare for whatever comes next.

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Farmers Graded Death Benefit Whole Life Policy²

Many people who aren't in perfect health may think they no longer qualify for life insurance. With the Graded Whole Life insurance policy, many individuals who are still living independently may qualify for a policy.

What is Farmers Graded Death Benefit Whole Life?

Graded Whole Life from Farmers New World Life Insurance Company is permanent life insurance for customers who are looking for guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, this policy could offer individuals who may not qualify for other types of life insurance an opportunity to obtain permanent whole life coverage.

Why "Graded" Whole Life?

If the insured dies within the first two years after the policy is issued, a limited death benefit may be paid subject to the terms of the policy.

Help avoid becoming a burden to your loved ones

Prepare for life's expenses

If you're between ages 18 and 80 and still living independently, you may qualify for up to $30,000 of permanent whole life insurance.

Simplified application process

If you're not in perfect health or if you've been turned down for life insurance before, it's not always easy to get. The simplified underwriting process requires no medical exam. Complete a straightforward application with just three simple health questions to determine eligibility.

Level premiums

Costs will never increase. Regardless of your age or health, your premium will never go up as long as your policy stays in force.

Cash accumulation

A useful feature of Graded Benefit Whole Life is that you can grow cash value within the policy. You may be able to borrow from your policy to help support unexpected expenses.3

Make the smart choice

The last thing you want is for your family's personal tragedy to also become a financial burden. Farmers Graded Death Benefit Whole Life insurance may be an appropriate way for you to help protect your loved ones' financial security. The difference between worrying about the future and helping to prepare for the future is doing something about it today. Because the more you know, the better you can plan for what's ahead.

2 Farmers Graded Death Benefit Whole Life Insurance policy form ICC17 FGDB or applicable state variation. Limited death benefit during the first two policy years.

3 Policy loans and withdrawals will reduce cash 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.

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