Farmers Flexible Universal Life policy 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. Farmers Flexible Universal Life can adjust to provide:

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

Farmers Flexible Universal Life Benefits

• Coverage - We offer a low minimum coverage to help you get started. Permanent coverage is available in amounts as low as $75,000 ($50,000 for juveniles).
• Premium - A minimum premium is required the first year, with the option of changing the timing or amount of payment afterwards.
• Cash value - Every month cash value is credited to the policy to give you full benefits from the time you pay your premium. You also get competitive interest rates.

Special Riders and Benefits

Farmers Flexible Universal Life offers a number of special riders and benefits that allow you to custom tailor your particular policy:

• Waiver of Deductions (policy form 1986-97 (038) WD)
• Monthly Disability Benefit (policy form 1991-103 (038) MDB)
• Accidental Death Benefit (policy form 1991-100 (038) ADB)
• Additional Insured Rider (policy form 1991-538 AIR)
• Automated Increase Benefit (policy form 1991-310 (038) AI)
• Payer Waiver of Deduction (policy form 1986-92 (038) payor WD)
• Children's Rider (policy form 1987-107 (037) CTIR)
• Juvenile Guaranteed Insurability Benefit (policy form 1993-171 (038) GIB)
• Deposit Fund-not available in TN or KY [policy form 1994-10,000 RDF series, 1994-10,000 PDF, 1994-10,002 RPDF and 1994-10,003 RPDF(w)]

Contact your Farmers agent for complete information.

* Issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040

Form # FNWL03003

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