1 - Whole Life Insurance is permanent insurance that provides coverage for the "whole life" of the insured. 

Whole Life Insurance plans lock in a level premium for a lifetime and provide living benefits for yourself in the form of cash value.

Our Whole Life plan also lets you purchase additional insurance at various life stages through a "guaranteed insurability" benefit. This benefit allows you to buy more insurance at ages 25, 28, 31, 37 and 40 and when major events occur.

You can build extra cash reserve for the future by taking advantage of the "deposit fund" benefit. (Retirement Premium Deposit Fund in Kansas, not available in Tennessee).

Contact William Go for more details.

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Sometimes basic life insurance isn't the right choice. 
Universal Life programs are designed to provide protection that fits your changing financial situation with:

Flexible coverage. Flexible Universal Life plan works hard to keep up with your current and future needs. It allows you to change the type of coverage and the death benefit while offering an outstanding cash accumulation program. Flexible Universal Life can adjust to provide:

• Optimum insurance protection
• Estate conservation 
• Maximized income 
• Tax-favored status for faster growth 
• Additional source of retirement savings

Changeable death benefits 
Options for timing and method of premium payment 
A long list of features and options

Universal Life plans offer preparation for retirement, estate conservation and tax benefits you should know about. 

Contact William Go for more details.

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Term Life Insurance is the right choice when you're looking for temporary coverage to fit your current family or business needs. These plans generally provide the most coverage for your insurance dollar. What's more, several of the plans are renewable or even convertible to permanent forms of coverage that lock in your premium cost over the life of the policy.

Yearly Renewable Term

Yearly Renewable Term is an affordable one-year level term insurance plan that can keep you insured for life. The plan is renewable for successive periods, one year at a time to age 95, all without having to provide any further evidence of insurability. Minimum plan coverage is $500,000.

Coverage
Affordable Yearly Renewable Term fits the needs of families, professionals and business owners. The coverage is designed for short-term insurance needs, such as paying off a loan in the event of death or a traditional "key-person" insurance plan.

Guaranteed Premium
Your premiums are guaranteed at the beginning level for the first five years of the policy. Thereafter guaranteed maximum premium payment increases are specified in the policy. So, you can plan your insurance costs, now and down the road.

Convertibility
When things change, you're covered. The Yearly Renewable Term is convertible during the first ten policy years, but only prior to age 65. It may be converted to any permanent plan of coverage available through Farmers New World Life Insurance Company.

Discounts
Non-nicotine users are eligible for reduced premiums. Plus, if you meet certain health standards specified by the plan, you can enjoy special preferred rates.

Options
Options that can custom fit coverage to your needs include the Waiver of Premium Benefit, and the Deposit Fund (Retirement Premium Deposit fund in Kansas, not available in Tennessee).

Contact William Go for more details.

Level Term 2000 plans

There may be times when you need temporary additional life insurance protection for as little as five years or as long as 30 years. Level Term 2000 plans provide affordable life insurance coverage that is guaranteed to remain level as long as you need the coverage. Whether for family or business needs, Farmers Level Term 2000 Life Insurance may be the right product for your needs.

Level Term 2000 Life Insurance coverage can help safeguard your family's financial security by paying for a mortgage balance, child's college education, family income, personal debts or final expenses. Level Term 2000 coverage can also be used to meet a variety of business life insurance needs, such as key person coverage, security for a business loan, funding for a buy/sell agreement or low-cost optional employment benefit.

Riders and benefits
An Accelerated Death Benefit Rider is included with your policy at no extra charge. If you are diagnosed with a terminal illness while your policy is in force, this rider allows you to request payment of a portion of the policy's death benefit. For an additional cost, other riders and benefits may be added to tailor your Level Term 2000 policy to your special circumstances. The amount available will be calculated by New World Life Insurance Company at the time of the request.

Deposit fund
This optional side fund may be used to build cash reserves for the future. The minimum payment is $25. Interest is compounded annually, and the fund earns a competitive current interest rate. Withdrawals from the fund do not affect the policy's death benefit.

Contact William Go for more details.

Decreasing Term Life Insurance

Obviously, for you and your family, no amount of money could possibly replace you. However, consider the financial implications if something were to happen to you. Our Mortgage Life Insurance is life insurance designed to assure that, in the event of your death, your family can remain in the house they love

We offer two basic types of Mortgage Life Insurance.

• Level Term 2000 provides life insurance coverage that remains level. Depending on your need, we may guarantee the premium to remain the same for as long as you need the coverage. What’s more, this plan is very affordable.
• Decreasing Term Life Insurance a low cost, traditional decreasing term life insurance plan to cover your mortgage. Farmers offers several types to accommodate your specific needs.
  
  There may be times when you need additional life insurance protection.
  Decreasing Term Life Insurance provides additional coverage at affordable cost for as little as 15 and as long as 30 years. Decreasing Term Life Insurance provides coverage that decreases over the period you choose, while the premium remains the same for the covered period. Decreasing Term Life Insurance coverage can help safeguard your family's financial security by paying for a mortgage balance, a child's college education, family income, personal debts or final expenses.

  Decreasing Term Life Insurance coverage can be used to meet a variety of business life insurance needs, too, including key person coverage or funding for a buy/sell agreement.

  For an additional cost, riders and benefits may be added to tailor your Decreasing Term policy to fit your special circumstances.

*A Deposit Fund is an optional side fund that can be added to either of these plans to build an additional cash reserve for the future. Payments into the fund can be made at any time. These payments, or even withdrawals from the fund, will not affect the basic policy's death benefit. Interest is earned at a competitive rate, and is compounded annually. The interest rate that this fund earns will never be less than the stated guaranteed minimum.

Contact William Go for more details.