Whole Life Insurance

Whole Life insurance is a Permanent Life insurance policy – it insures you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

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Whole Life Policies

Whole Life is one of the most common types of Permanent Life insurance. With Whole Life insurance policies, the cash value accumulates at a guaranteed interest rate and typically the policy owner may borrow against the cash value of the policy. Some Whole Life insurance policies can produce excess credits, which can be used to purchase additional paid-up Life insurance, increasing the available death benefit.

Farmers EssentialLife® Simple Whole Life1

Farmers EssentialLife® Simple Whole Life is a modernized Whole Life insurance policy combining the traditional guarantees of Whole Life with flexible riders (available at an additional cost), Excess Credits, and Farmers Multiple Policy rates‡ for customers with other Farmers Insurance policies.

Farmers EssentialLife® Simple Whole Life features guaranteed level premiums, payable to age 100, and guaranteed cash values. Unlike Universal or Variable Universal Life insurance policies, the cash value, premium requirements, and death benefit of the Farmers EssentialLife® Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.


  • Simplified Underwriting
  • Farmers Multiple Policy rates available
  • Approval in only a few minutes, while you are meeting with your local agent
Farmers Graded Death Benefit Whole Life2

To help prepare for life’s unexpected expenses, the Farmers Graded Death Benefit Whole Life is a Life insurance policy for those who need Permanent insurance coverage with cash values and guaranteed level premiums.

With a simplified underwriting process, the Farmers Graded Death Benefit Whole Life policy could offer highly rated or otherwise uninsurable individuals an opportunity to obtain permanent Whole Life coverage.


  • Simplified underwriting
  • No medical exam, just three simple health questions to determine eligibility
  • Cash value accumulation



Farmers Premier Whole Life3

For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life, and Farmers Premier Endowment at Age 100 in Indiana and Pennsylvania, features guaranteed level premiums and cash value accumulation.


  • Optional benefits while you're living
  • Cash value accumulation
  • Lifetime level premiums
  • Lifetime Life insurance coverage

Contact a Farmers agent to learn more about Whole Life insurance.

Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040. Products and features may not be available in all states and may vary by state.

1 Policy Form 2008-352
2 Policy Form ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited Death Benefit during the first two policy years.
3 Policy Form 1995-112 or applicable state variations
‡ Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand.


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