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Testimonial

I got the evidence of insurance for my car in 10 minutes while waiting for the dealer to finish the paperwork. The rate was great too.

Jason

THURSDAY, DECEMBER 13, 2012

New Term Life Insurance Product: Farmers Value Term (FVT)

Synopsis: Farmers Value Term (FVT) is a new Term Life insurance product offered from Farmers Life, replacing the Farmers Level Term 2000.

Background: Farmers Value Term (FVT) products provide much-needed coverage for your customers’ growing families at a manageable cost. The death benefit can be used toward a mortgage balance, a child’s education or to provide income for other family needs in case of a premature death.

Product highlights:

  • Competitive premium rates
    • A majority of the rates are lower than Level Term 2000.
    • The $2 million Jumbo Term isn’t just for the 20-year term any more. There are now five rate bands for all Farmers Value Term products: The 10-, 20- and 30-year term.
      • Band 1 Face Amounts of $150,000 - $249,999
      • Band 2 Face Amounts of $250,000 - $499,999
      • Band 3 Face Amounts of $500,000 - $999,999
      • Band 4 Face Amounts of $1,000,000 - 1,999,999
      • Band 5 Face Amounts of $2,000,000 and above
  • Six underwriting classes available: Platinum Elite, Platinum Plus, Platinum Choice, Platinum, Gold Plus and Gold as follows:
    • Two Gold underwriting classes for nicotine users — providing competitive rates for healthier nicotine users; and,
    • Four Platinum underwriting classes for non-nicotine users –giving better ratings for many people who don’t quite qualify for Level Term 2000 preferred rates today.
  • Additionally,
    • Gold underwriting class is available for ages 18-21 (ages 20½-21 eligible for the Gold or Platinum underwriting class).
    • Have you read the Agency Insider for the rest of the news that affects you?
    • Click here.
  • Expanded issue ages: Providing coverage to those who are living and working longer.
    • Up to age 75 for 10-year Farmers Value Term
    • Up to age 65* for 20-year Farmers Value Term
    • Up to age 50* for 30-year Farmers Value Term
    • * In OR and WA: 20-Year Products: up to age 60 Gold Classes (Nicotine)
    • 30-Year Products: up to age 45 Gold Classes (Nicotine)
The Farmers Value Term shares the following popular Level Term 2000 product features:
  • Premiums guaranteed for 10, 20 or 30 years
  • Coverage to insured’s attained age 90 or the death of the insured.
  • Minimum Face Amount $150,000
  • Conversion provision (prior to the earlier of 20 years or the insured’s attained age 65) to a permanent plan, subject to policy minimums and maximums
  • Benefits and Riders (availability varies by state): Waiver of Premium, Accidental Death Benefit, Children’s Term Rider, Accelerated Benefit Rider for Terminal Illness, Critical Illness-Accelerated Benefit Rider and Disability Income Rider
For more information about California term life insurance, give Absolute Integrity Insurance Group a call at 888-566-7771.
Posted 2:03 PM

Tags: california term life insurance, california term life insurance quote, term life insurance california, california term life insurance rates
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1434 Taraval St.
San Francisco, CA 94116
(888) 566-7771
CA License #:0D85546

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