If something happened to you tomorrow, would they be okay?
Keep scrolling. We'll show you why life insurance matters, clear up the myths that stop most people from getting it, and walk you through four ways Farmers® can protect your family.
Scroll to beginLife keeps sending the bills.
Millions of families are underprotected — and don't know it.
The reasons people put it off —
and why they don't hold up.
Tap each card to see the truth.
Let's find your number.
Slide the bars. It's the same back-of-the-napkin math an agent starts with: replace your income for a while, clear the debts, cover what's ahead.
A rough, educational estimate only — not a quote, a recommendation, or an offer of coverage. A licensed agent will help you work out the right amount for your situation.
Four ways Farmers
can protect them.
Different goals, different budgets. Here's each one in plain English.
Term Life
The most protection for the lowest starting price, for the years your family needs it most.
How it worksReturn of Premium Term
Term protection — and if you outlive the term, up to 90% of your premiums come back.
How it worksWhole Life
Lifetime coverage with a premium that never goes up and guaranteed cash value growth.
How it worksIndex Universal Life
Flexible lifetime coverage with cash value growth potential linked to a market index.
How it worksThe most protection for the lowest price.
Term life covers you for a set number of years — the years your family depends on you most. If you pass away during that time, the people you choose receive the death benefit.
- Choose a 10, 15, 20 or 30-year level premium period — your premium stays the same for that whole stretch.
- Most applicants qualify for automatic underwriting — no medical exam, and a same-day policy decision.2 Issuance may depend on your answers to the application's health questions.
- Need lifetime coverage later? You can convert all or part of it to Farmers Whole Life or Index Universal Life if your contract includes a conversion option.3
For a healthy, young adult: Male, age 35, $100,000 face amount, non-nicotine, Platinum, monthly EFT premium, 10-year level premium period. Premiums are subject to change after the initial level premium period. Your premium depends on underwriting approval — someone with a more complicated health history could pay more.
A great fit for
Term protection — with money back if you outlive it.
Return of Premium Term protects your family for the term, just like term life. The difference: if you're still living at the end of the level premium period and you've kept the policy active the whole time, up to 90% of the premiums you paid comes back to you.4
- Your family is protected with a death benefit for the entire term.
- Outlive the term with the policy active → up to 90% of premiums paid is returned.4
- Premiums are higher than standard term — you're paying for that return feature.
- If the policy ends early, only its cash surrender value is paid.4
How it plays out
Illustration only. The return requires the policy to stay active for the full level premium period, and the 90% is reduced by fees, rider and unpaid premiums, ratings and loans.
A great fit for
Coverage for life. A price that never goes up.
Whole life is permanent coverage. As long as you pay your premiums as the contract requires, it protects you for your whole life5 — and builds cash value along the way.
- Lifetime coverage, guaranteed as long as premiums are paid per the contract.5
- Your premium never goes up, and the death benefit is guaranteed by the contract.5
- Cash value grows at a guaranteed rate, and you can access it through policy loans.6
- At the company's discretion, your policy may receive additional credits each year — they are not guaranteed.
Choose how long you pay
With the shorter options, your payments finish early and your coverage stays in force.
How it builds
Illustration only — not to scale and not a projection.
A great fit for
Lifelong coverage with growth potential.
Index Universal Life (IUL) is permanent coverage with flexibility. Part of what you pay builds cash value, and the interest credited to it can be linked to the performance of a market index — your cash value is not placed directly in the stock market.
- Choose a Fixed Account and two index-linked accounts tied to the S&P 500® and the S&P® MARC 5% ER.
- Each account has a floor and a guaranteed minimum rate. Other crediting terms apply and are not guaranteed.7
- Flexible premiums and an adjustable death benefit that can change as your life does.
- Cash value generally grows tax-deferred, and the death benefit is generally income-tax-free.8
- Access cash value through loans or partial surrenders, which reduce cash value and the death benefit.6
How index crediting works
Concept only — not a projection of results. Credited interest depends on index performance and the contract's crediting terms. Monthly policy charges come out of cash value, and the cost to keep the policy in force increases over time, so cash value can still go down and the policy may lapse if premiums aren't enough.7
A great fit for
Which one fits you?
| Term Life | Return of Premium Term | Whole Life | Index Universal Life | |
|---|---|---|---|---|
| How long | 10, 15, 20 or 30-year level premium period | The level premium period | Your whole life, with premiums paid per the contract5 | Can last your whole life, if premiums are enough to keep it in force7 |
| Premium | Lowest to start; rises after the level period | Higher than standard term | Never goes up | Flexible, within limits |
| Cash value | None | Cash surrender value if ended early | Yes — guaranteed growth rate | Yes — index-linked, with a floor |
| Money back | — | Up to 90% of premiums if you outlive the term4 | Cash value via loans or surrender6 | Cash value via loans or partial surrenders6 |
| Best for | Max protection on a budget | Term protection with money back | Certainty that lasts a lifetime | Flexibility and growth potential |
Swipe the table sideways on a phone. Summary only — features, availability and costs vary by product, state and individual. An agent will walk you through the actual policy terms.
A neighbor —
not a 1-800 number.
Darrell Dominguez is a U.S. Navy veteran, a father and a grandfather — born in Pueblo and raised in the San Luis Valley. He's licensed in Life & Health, and his agency does it the old-fashioned way: sit down with you, explain everything honestly, and make sure your family is taken care of.
2024 Prime Agency Award — Farmers Insurance
Recognized for service, growth and client experience.
Topper Club Award — Farmers Insurance
Performance recognition for top Farmers agents.
2026 Pueblo Community Votes — 1st Place
Voted Best Insurance Agency in Pueblo by the community we serve.
8 local agentsright here in Pueblo — not a call center.
Easier than you'd expect.
Reach out
Call, text, or send the quick form below.
Talk it through
A short, no-pressure conversation about who depends on you — and your budget.
Compare side by side
We lay out term, return of premium, whole life and IUL for your situation.
Apply
Most term applicants get a same-day decision with no medical exam.2 Issuance may depend on your health answers.
Give them
one less thing to worry about.
One conversation with a local, licensed agent. There's no charge to talk with us or get a quote, and no obligation to buy.
Toll-free (888) 904-1010 · 1112 Eagleridge Blvd, Pueblo, CO 81008