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Farmers Non-Medical Life Insurance Policies
Term life insurance
Farmers’ term life insurance policies are available for 18- to 65-year-olds for 10, 20 or 30 years. Coverage amounts start at $75,000, and premiums remain level throughout the term. This policy usually doesn’t require a medical exam or lab test, and you could get approved for coverage within 24 hours.
Permanent life insurance
Farmers Essential-Life simple whole life insurance policies are available for ages 15 days to 80 years old. Coverage starts at $15,000 and premiums remain level over the life of the policy. Coverage approval is dependent on a medical questionnaire and possibly a medical exam.
Farmers graded benefit whole life insurance policies with no medical exam are marketed to people who have some health conditions but are able to take care of themselves. Coverage of $5,000 to $30,000 is available for ages 18 to 80 years. Premiums remain level over the life of the policy. The policy comes with a graded death benefit that limits the payout amount to 110% of the premiums already paid if the policyholder dies within the first two years unless the death is a result of an accident.
Flexible Premium Life Insurance
Farmers’ Essential-Life universal life insurance’s coverage starts at $50,000 for people between 15 days and 80 years old. It has a cash value that earns interest. This policy may lapse if you pay only the minimum.
Farmers’ index universal life insurance builds cash value that is invested in accounts indexed to the stock market, with the guarantee that it can not loose value. This policy may lapse if you pay only the minimum.
Please contact Celso Neves 888-966-1625 for an illustration with a premium that is guaranteed never to lapse.