Understanding Life Insurance

Interested in helping to protect your loved ones’ financial future, but not sure where to begin? We’ve put our 100 years of experience and know-how at your disposal. With Farmers we’ll help you understand:

• When is the best time to apply for life insurance?
• How much coverage do I need?
• What types of coverage are available?
• How do I talk to my family and my agent about Life insurance?

Explore our Life Insurance Resource Center to learn how to get started, and help you better understand your own Life insurance needs.

Finding the Life Insurance Policy
for You

Life is all about options and choices, and so is Farmers Life^® insurance. With a variety of coverage options and products, you can find the coverage that you want for your family and your needs.

• Understand the difference between Term and Permanent coverage.
• See which term coverage options there are, for generally the greatest amount of coverage at the lowest initial cost.
• See which types of whole life insurance options there are, for permanent coverage and cash value accumulation.
• See which types of universal life insurance options there are, to help meet your current and future financial needs.

Getting the Help You Want

Farmers Life understands that life insurance is a personal decision, and not one to take lightly. That’s why we have knowledgeable agents right in your community, ready to help you with the information, experience, and personalized service you need to guide you through the Life insurance process.

Accident Forgiveness

You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.

No Fault, No Foul

Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.

Farmers Rideshare

Insurance coverage for rideshare drivers doesn’t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.