Graded Benefit / Final Expenses Life Insurance

Are you looking to the future?

Farmers Graded Death Benefit Whole Life insurance may help you prepare for whatever

comes next. Plan today for your family’s tomorrow.

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.

Farmers® Graded Death Benefit

Whole Life Insurance*

What is Farmers Graded Death Benefit Whole Life insurance?

Farmers Graded Death Benefit Whole Life 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. 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.