New simple process, Ai underwriting, many policies issued Same Day or within days,

We initiate the link, then you enter on your phone or computer your basic health information, privately. Then send it back to us and eSign to issue. Many policies don’t need doctors visit or blood tests. Policies up to 5M.

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This Life Submit Form is the minimum information necessary to send you an application, We can adjust values anywhere in the process,

Term Life Insurance

Term life is a type of life insurance policy where premiums remain level for period of time — generally for 10, 20 or 30 years.

After the end of the level premium period, premiums will generally increase. Coverage continues as long as the premiums are paid. Perhaps this is an option you may want to consider when you’re on a more limited budget and will have significant expenses over a shorter period of time.      You can often pay a lower premium when you select a shorter level premium period — say, 10 years instead of 20 or 30. But since premiums are based on risk of death, once you are outside of the level premium period, a term life policy generally gets more expensive as you grow older.

IUL Indexed Universal Life Insurance

Like whole life, universal life is permanent insurance that may also accumulate a cash value. It offers more flexibility, though. You can tailor a policy to meet changing priorities with flexible premiums and face amounts. Universal life also offers you more control over how quickly your cash value may grow.

Whole Life Insurance

Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance may accumulate a cash value that can be accessed for a variety of purposes while you’re still alive.

Final Expenses / Graded Death Benefit

Is permanent insurance for customers who are looking for a smaller permanent life insurance policy that offers guaranteed level premiums and guaranteed cash values as long as premiums are paid.

Many people who aren’t in perfect health assume they no longer qualify for life insurance. With the Farmers® Graded Death Benefit Whole Life policy from Farmers New World Life Insurance Company, individuals who are still living independently may qualify for a policy.

With a simplified underwriting process, this policy could offer individuals who may not be in the best of health an opportunity to obtain permanent whole life coverage.

If the insured dies within the first two years after the policy is issued, Farmers Life® will pay a limited death benefit subject to the terms of the policy.

How can a Farmers Graded Death Benefit Whole Life policy help?

Prepare for life’s expenses – lf you’re between ages 18 and 80 and still living independently, you may qualify for up to $30,000 of permanent whole life insurance.

Straightforward 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 – just three simple health questions to determine eligibility.

Cash accumulation – A Farmers Graded Death Benefit Whole Life policy will grow cash value as long as required premiums are paid on time. You may be able to borrow from your policy to help support unexpected expenses.2

Make a 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 future.

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

Types of Riders ‍

• Accelerated Death Benefit / Terminal Illness Rider: Pays part of the death benefit early if the insured is terminally ill.

• Critical Illness / Dread Disease Rider: Pays a lump sum on diagnosis of specified serious illnesses (e.g., cancer, stroke, heart attack).

• Chronic Illness / Long‑Term Care (LTC) Rider: Allows use of policy proceeds to cover long‑term care or chronic illness expenses.

• Waiver of Premium Rider: Waives future premiums if the insured becomes totally disabled.

• Disability Income Rider: Provides a monthly income if the insured becomes disabled (different from premium waiver).

• Guaranteed Insurability / Future Purchase Option: Lets the insured buy additional coverage later without new medical underwriting.

• Term Conversion Rider: Allows conversion of a term policy to permanent coverage without evidence of insurability.

• Spouse / Child Term Rider: Adds temporary term coverage for a spouse and/or children.

• Accidental Death Benefit (Double Indemnity) Rider: Pays an extra benefit if death is caused by an accident.

• Return of Premium Rider: Returns premiums paid (or increases death benefit) if the insured outlives a specified period—more common on term policies.

• Cost of Living / Inflation Rider: Increases the policy’s death benefit over time to keep pace with inflation.

• Family Income / Newborn Coverage Rider: Provides immediate small coverage for newborns or adds family income features.

Talk to your local Farmers agent to learn more about how you can use life insurance to help you protect your family’s financial future.

This is the information we need to send you an application.

Proposed Insured Information:

• First Name & Last Name

• Email

• Date of birth

• Last four digits of Social Security number or TIN/SSN)

•What face amount is the Proposed Insured applying for?

We send you an email with the application.

You log in with Birthdate and last four of SSN. You answer the questions and submit. It comes back to us and we submit to the Insurance company, and usually get an answer the same day in most cases.

What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Perhaps a recent promotion is giving you the chance to flex some leadership skills. If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden.

Your Farmers® agent Secure Neighbors Agency can show you a number of coverage options you can tailor to your priorities and budget.

In fact, life insurance may be more affordable than you might think — in some cases less than your monthly spend on coffee. .                                                                                                                                                        Farmers New World Life Insurance Company offers three types of life insurance — and each has its own characteristics:

What’s the best coverage for you?

When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your situation. For example:

‍ ‍•Your family is young and growing, so you may be juggling a mortgage, auto loans and childcare costs. While your expenses may continue to expand over time, you may want an affordable policy for you to help plan for your family’s financial future until the kids are grown and the house is paid off. ‍ ‍

•You’re more established in life. While primarily providing a death benefit to your beneficiaries, you may leverage the loan or partial surrender features of certain policies with available cash value, to help support things like supplemental retirement income, caring for a family member with a disability or preparing for eventual estate taxes.

•You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills or final expenses — and may also help leave a legacy to someone you love or a favorite charity.