Lifetime Security for You and Your Family

Farmers Flexible Universal Life is designed to meet your changing needs during an entire lifetime. This simple, comprehensive, flexible policy can serve your insurance and cash accumulation needs throughout all your years. You can "program" Farmers Flexible Universal Life "as you go."

Flexible Premiums …

Unlike most insurance programs, with Farmers Flexible Universal Life you decide when - and how much - to pay toward your insurance program.

Your protection continues as long as the policy has sufficient cash accumulation to pay the cost of insurance (including fees and insurance charges).

Your first premium payment will start your insurance program and establish an Accumulation Account.

The Account immediately begins earning at a competitive current interest rate. While the current rate is not guaranteed, the Account is guaranteed to earn at a minimum 4 ½ percent.

After your Accumulation Account is set up, the cost of insurance is deducted from the Account each month - automatically!

Flexible Benefits …

You specify the amount and type of insurance protection you need, which can be increased or decreased (increases are subject to proof of insurability or size-of-premium requirements).

Increasing Death Benefit - Option A

If you desire, you can specify the increasing death benefit (Option A). This increasing coverage adds level pure insurance to the cash accumulation. The monthly amount deducted from your Accumulation Account is adjusted as necessary to continue to provide the insurance coverage you specify. This keeps your account growing while the pure protection remains level and your total death benefit increases.

Full protection is guaranteed for you and your family … or your business … as your financial responsibilities grow.
Level Death Benefit - Option B

You can specify that the total death benefit remains level (Option B). As your premiums and compound interest continue to build, your Accumulation Account flourishes. Money in excess of the cost of insurance grows in the account.

As your account continues to grow, less insurance is required to maintain your level death benefit. This reduces withdrawals from your account and results in significant extra build-up of cash value available for education, business enterprises, or retirement.

Tax-Deferred Cash Accumulation
It belongs to you.

The growing Accumulation Account is the source of your cash values. This cash can be used for a full withdrawal - for a partial withdrawal - or for a policy loan. Withdrawals are subject to a surrender charge during the first nine years.

Based on current tax laws, all interest credited to your Account is tax-deferred by the IRS. This means you are not taxed each year, but ONLY when you take cash out. And if you wait until retirement, you may be in a lower tax bracket.

Optional Coverages … (available at additional cost)

Disability Waiver Benefit (for adults)
Provides that your insurance will continue (after the waiting period) without further premium payments while you are disabled.
Policy Form No. 1986-90 (038) WD

Monthly Disability Benefit (for adults)
An alternative to the Waiver Benefit, this benefit provides a monthly addition to the Accumulation Account for a disabled insured until age 65. The benefit can be added at a level which not only pays the monthly cost of insurance, but also continues to add to the Accumulation Account (after the waiting period) while you are disabled.
Policy Form No. 1991-103 (038) MDB

Accidental Death Benefit
To plan for the unexpected, this benefit provides up to $100,000 of additional coverage when death is due to an accident.
Policy Form No. 1991-100 (038) ADB

Additional Insured Rider
Provides convertible, level-term insurance on an additional family member in your household through age 70.
Policy Form No. 1991-538 AIR

Automatic Increase Benefit (for adults)
This benefit is designed to help keep up with inflation by providing automatic basic insurance protection increases of 3 percent of the policy's original death benefit to a maximum of $10,000 each year, without evidence of insurability.
Policy Form No. 1991-310 (038) AIB TX

Juvenile Guaranteed Increase Benefit
Guarantees the option to purchase additional insurance by increasing the principal sum in amounts of $10,000 to $25,000, at ages 25, 28, 31, 37 and 40. The next available option may be advanced for the following "life events": college graduation; marriage; birth or adoption of a child; or purchase of a home as a primary residence.
Policy Form No. 1993-171 (038) GIB

Payor Benefits (for juveniles)
Provides that insurance will continue until the child reaches age 25 if the original policyowner dies, or during the disability of the policyowner, without further premium payments.
Policy Form No. 1986-92 (038) Payor WD

Children's Insurance Rider
Up to $10,000 of coverage on your children to age 22, or you to age 65, if earlier.
Policy Form No. 1986-107 (038) CTIR

Deposit Fund Rider

This optional side fund earns a competitive interest rate. Payments into and withdrawals from the fund do not affect the death benefit. (Retirement Premium Deposit Fund in Kansas. Not available in Tennessee).

Outstanding Features

Flexibility in amount and frequency of premium payments, and in amount and type of death benefit, premium discount for non-smokers, competitive interest earnings on Accumulation Account, Tax-Deferred cash build-up, income tax-free death benefit, annual report, optional coverages, optional competitive interest side fund.

About Our Company

Serving policyholders since 1910.

• Member of Farmers Insurance Group of Companies, which includes one of the largest insurers of autos and homes in the United States.
• Farmers New World Life ranks high among the leading Life insurance companies in the United States today!
• An A+ (Superior) rating by A.M. Best, the respected analyst of the insurance industry, confirming our superior financial strength.
  

LIFE INSURANCE

Farmer's Flexible Universal Life

The Farmers Flexible Universal Life policy offers you all of the advantages of a flexible Life insurance program couples with a cash Accumulation Account which earns a competitive interest rate.

It is designed to meet a variety of your current and future Life insurance and cash accumulation needs, from Mortgage Protection to retirement planning.

Because of its unique flexibility you can readily adjust your protection as your circumstances change.

Farmers Flexible Universal Life features:

Flexible Premiums
Flexible Benefits
Tax-Deferred Cash Accumulation
Lifetime Security for You and Your Family

Stephen Smith Farmers Insurance Agency
112 N. 4th Ave. • Sandpoint, Idaho 83864
Call: (208) 265-4562 • Fax: (208) 263-7866
E-Mail: farmers1@sandpoint.net