Farmers Flexible Universal Life

SOME INTERESTING FACTS
Of Americans over age 65 -

• 89% are on Social Security benefit rolls
• 45% are dependent upon relatives
• 30% are dependent upon charity
• 23% are still working
• 2% are self-sustaining

93% of the men age 65 who have failed financially said it was because of the lack of a plan. (Source: American Bankers Association)

Yet your Retirement Years can be carefree and secure, with Farmers Flexible Universal Life Plan.

The flexible features of the Farmers Flexible Universal Life Plan make it an ideal vehicle to accumulate funds for retirement.

Farmers Flexible Universal Life features fully flexible premium deposit options, flexible death benefits, the ready ability to change the type and size of coverage... coupled with an outstanding cash accumulation program.

Whether your Farmers Flexible Universal Life policy is purchased in childhood... or as a young adult... or at middle age... it is an unsurpassed means of securing your "golden years."

Is Farmers Flexible Universal Life "too expensive" for people in their fifties? Decidedly not! The "50 Plus" years can be effectively used to build a complete retirement program.

Because of the unique flexibility of the Farmers Flexible Universal Life Plan it can be adjusted to fit the needs of everyone.

If your goal is estate conservation the Farmers Flexible Universal Life Plan can be tailored for maximum insurance protection.

Or, if your goal is maximization of income the Farmers Flexible Universal Life Plan can be designed to provide the maximum cash accumulation permitted which will still enjoy tax-favored life insurance status under current tax laws.

YOUR FARMERS FLEXIBLE UNIVERSAL LIFE PLAN CAN BE USED TO:

• Provide a guaranteed lifetime income for you and your spouse at retirement
• Guarantee full death benefit protection
• Generate growing monetary assets
• Supplement your IRA
• Finance a business venture
• Maximize a Pension program
• Pay estate taxes
• Cover vacation or travel expenses

Optional Coverages -
(available at additional cost)

• Waiver of Deduction Rider (for adults) - Provides that your insurance protection will continue without further premium payments while you are disabled.
• Monthly Disability Benefit (for adults) - An alternative to the Waiver Benefit, this benefit provides a monthly addition to the Accumulation Account for a disabled insured until age 65. The benefit can be added at a level which not only pays the monthly cost of insurance, but also continues to add to the Accumulation Account while you are disabled.
• Accidental Death Benefit - To plan for the unexpected, this benefit provides up to $100,000 of additional coverage when death is due to an accident.
• Additional Insured Rider - Provides convertible, level term insurance on an additional family member in your household through age 70.
• Automatic Increase Benefit (for adults) - This benefit is designed to help keep up with inflation by providing automatic basic insurance protection increases of up to 3% each year, without evidence of insurability.
• Payor Benefits (for juveniles) - If the Farmers Flexible Universal Life policy is issued on a juvenile, the Payor Waiver of Deduction Rider provides that insurance will continue to the child's age 25 if the original policyowner dies, or during the disability of the policyowner... without further premium payments. At age 21, it can be converted to an adult Waiver of Deduction Rider.
• Children's Insurance Rider - Provides up to $10,000 of coverage on your children to age 22.

Deposit Fund*
The flexibility of Farmers Flexible Universal Life is even further enhanced by this optional competitive interest side fund. Deposits and withdrawals can be made without affecting the death benefit or cash value of the basic policy.

*Retirement Premium Deposit Fund in Kansas. Not available in Tennessee.