Term Life Insurance
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Term Life Insurance
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.
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.
Term Life Insurance
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.
Mortgage Payoff Protection
Final Burial Expenses
Breadwinner Family Protection
Low cost: Term life typically offers much higher death-benefit per premium dollar than whole or universal life, especially for younger buyers.
Simple protection: It provides straightforward coverage for a fixed period (e.g., 10, 20, 30 years) without investment components or complex features.
Income replacement: Ensures dependents can cover living expenses, mortgage, tuition, and daily costs if the insured dies during the term.
Debt coverage: Can pay off large, time-limited obligations (mortgages, car loans, business loans) so survivors aren’t burdened.
Temporary needs match: Ideal when financial responsibilities are temporary (raising children, paying off a mortgage, covering business loan term)
Guaranteed death benefit: Pays a fixed benefit if death occurs during the term (subject to policy terms), providing financial certainty.
Flexible durations and riders: Available in a variety of term lengths and with add-ons (e.g., accelerated death benefit, disability waiver) to tailor protection.
Estateplanning / legacy: Can ensure funds are available for heirs or to cover estate settlement costs during the term.
Temporary bridge: Useful while you build savings or buy a smaller permanent policy later.
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