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Farmers Life Insurance
Get A Life Quote
(click above link to request a life insurance
proposal)
You will receive 5% discount on both
home and auto insurance when you have a Farmers Insurance Life
policy!
"Get
a policy and hold on to it. It means self-respect, it means that
nobody will have to put something in a hat for you or your dependent
ones if you should be snatched away from them."
- `President Grover Cleveland
Farmers New World Life Insurance offers many product options:
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Variable Universal Life Insurance
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Flexible Universal Life Insurance
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Whole Life Insurance
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5,10,20,& 30 Year Lever Term Life Insurance
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Juvenile Life Insurance
Ask us about a
VARIABLE UNIVERSAL LIFE INSURANCE
policy. This revolutionary policy will meet many of your life
insurance and future financial planning needs. Starting a
policy now could be the best thing you can do for yourself and your
family!
Variable life
- With a variable policy, there is usually a wider selection of
investment products, including stock funds. As with a universal
policy, returns on investments can offset the cost of premiums or
build in the account. And depending on the type of policy, the
beneficiaries will either receive the face value of the policy or
the face value plus all or part of the cash account.
A Universal Life Policy
is designed to meet your needs like no other policy can!
With a Universal Life Policy,
you can
Universal Life allows you the flexibility to make changes as your life
circumstances change, without having to change your life insurance
policy.
Lock in your insurability now, while you are healthy, and start
protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review. We can help you determine
the amount of coverage you need, and show you how simple it is to
get started!
Why Have Life Insurance?
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Term Life Insurance
Term Insurance covers you for a specified period of time, such as one,
five, ten or twenty years. Once the term is expired, you must renew it,
often at much higher rates. The policy only pays a death benefit if you
die in that period of time. Term Insurance often has specific rules
about when and how you can renew the policy.
Term Insurance normally NEVER builds cash value.
However, Term Insurance has the advantage of normally providing the
highest death benefit for the lowest premium. Term Life insurance
is ideal for providing a large death benefit for a period of time when
families need it most.
Critical Illness Rider
Farmers New World Life is proud to introduce the Critical Illness Rider
to its 20 & 30 Year Level Term products. By adding this
rider, your life insurance policy can also pay you a living benefit if
you are diagnosed with one of many life threatening health
events. (Heart attack, Stroke, Cancer, etc.) Have your
policy provide you with money when you and your family will need it
most.... when you are sick and can't work.
Whole Life Insurance
Whole Life Insurance is what most people think of when they want a level-premium & level death benefit. The level
premium idea makes permanent plans affordable and at the same time, creates the
important cash value feature of these products.
The
cash value results from the reserve the company needs to accumulate in the
early years of the policy so there will be sufficient funds in later years,
together with the interest earnings, to pay the promised death benefit. Any
part of this value can be borrowed by the policyholder or taken in total if the
policy is surrendered.
Juvenile Life Insurance (Whole Life or Variable Life)
1. A Life policy
for a child actually guarantees the insurability of your son or daughter for the
rest of their life. This means that once a policy is issued, your child will
always have a life insurance policy in place, no matter what occurs with their
health in the future. In fact, they will even have the opportunity to purchase
more life insurance at specific times in the future. This can ensure that your
child will always have life insurance available to them, even if the develop
health issues later in life. This will provide financial protection for your
grandchildren and beyond.
2. A Juvenile Life
policy can also be an effective college savings vehicle. These policies build
cash value and have several loan and withdrawal options. Since cash values in
Life Insurance are not factored into the eligibility for financial aid like
other college savings plans might be. Thus, a life policy can effectively save
for the future and also entitle your family to the maximum financial aid when
your child attends college.
3. Juvenile Life
Insurance policies are often excellent gifts for nieces, nephews, grandchildren,
and other important children in your life. Once you learn all the benefits of
the policy, you will want to make sure every important child in your life has a
policy, and a start to an effective college savings plan.
What plan is right for you?
Ask us about which Life Insurance policy is right for you and your loved
ones. We will be happy to explain the differences in simple, easy to
understand terms.
Let's
discuss you needs, and find you what life product works best for
you. Perhaps it is a combination of policies. People
normally buy several life policies throughout their lifetime, so don't
panic. We'll make sure that you get the coverage you need, in the
amounts that you need it, and a price which you are comfortable.
Don't forget about the 5% discount you'll receive on your home & auto when you start a Farmers New World Life policy with our agency!
Life Insurance Info: http://www.lifeinsuranceaid.com
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