| Farmers Harvest 7-Year Buyers who want a no-annual-fee, index-linked accumulation contract with a strong automatic death benefit and can accept a mid-tier carrier and a 22-state availability gap | FIA | 7yr | ★ 3.8 | — | — | Review → |
| Farmers Harvest 10-Year Buyers with genuine 10-year money who want the strongest crediting terms available anywhere in the Farmers Harvest lineup and a no-fee, full-value death benefit, and who are comfortable accepting a B++-rated carrier to get there | FIA | 10yr | ★ 3.7 | — | — | Review → |
| Farmers Harvest Enhanced Liquidity Package 10-Year Farmers Harvest 10-Year buyers who specifically want a bigger penalty-free withdrawal allowance and a built-in nursing-home/terminal-illness waiver, and are willing to give up meaningfully higher crediting rates to get them | FIA | 10yr | ★ 3.7 | — | — | Review → |
| Farmers Harvest 5-Year Buyers who want a short-commitment, no-frills FIA with a genuinely competitive cap and are comfortable with a below-A carrier | FIA | 5yr | ★ 3.7 | — | — | Review → |
| Farmers Harvest Premium Bonus 5-Year Buyers who want a short-duration, principal-protected FIA and value an upfront premium bonus more than the highest possible caps, provided they can hold long enough for the bonus to vest | FIA | 5yr | ★ 3.5 | — | 7.00% (issue ages 0-75) / 3.00% (issue ages 76-85) on all premium, year 1 only. Vests on the 5-Year schedule: Year 1 0%, Year 2 15% (1.05%/0.45% of premium), Year 3 40% (2.80%/1.20%), Year 4 60% (4.20%/1.80%), Year 5 85% (5.95%/2.55%), Year 6+ 100% (7.00%/3.00%) | Review → |
| Farmers Harvest Premium Bonus 10-Year Long-horizon buyers who want a large upfront account-value bonus and will hold the full 10 years or leave the contract to heirs, accepting lower crediting rates and a below-A-rated carrier to get it | FIA | 10yr | ★ 3.4 | — | 14.00% (issue ages 0-75) / 8.00% (issue ages 76-85) on all premium in year one | Review → |
| Farmers Harvest Enhanced Premium Bonus 7-Year Buyers who want a larger day-one premium bonus, plan to hold the full seven years, and are comfortable with a B++ carrier | FIA | 7yr | ★ 3.4 | — | 10.00% (issue ages 0-75) / 8.00% (issue ages 76-85) | Review → |
| Farmers Harvest Premium Bonus 7-Year Accumulation-focused buyers who intend to hold the full seven years, want an upfront account-value cushion, and are comfortable trading away crediting potential and a top-tier carrier rating to get it | FIA | 7yr | ★ 3.4 | — | 8.00% (issue ages 0-75) / 6.00% (issue ages 76-85) on the 7-year surrender variant. Vesting schedule (7-Year Surrender Charge Period): Year 1: 0%, Year 2: 10%, Year 3: 25%, Year 4: 40%, Year 5: 55%, Year 6: 70%, Year 7: 85%, Year 8+: 100%. An optional Enhanced Premium Bonus Rider can instead raise the bonus to 10.00%/8.00% for the 7-year variant, but adds a 0.95% annual fee applied pro-rata across strategies - this spec covers the standard (non-enhanced) Premium Bonus Rider matching this product folder's name. | Review → |
| Farmers Harvest Enhanced Premium Bonus 10-Year Buyers who specifically want the largest available upfront account-value bonus and a clean full-contract-value death benefit, are comfortable committing to a B++ carrier for ten years, and do not need liquidity | FIA | 10yr | ★ 3.2 | — | 17.00% (issue ages 0-75) / 10.00% (issue ages 76-85). Recapture/vesting is graded annually over the 10-year surrender period: 0% in year 1, then vesting at a constant pace (17% track: 1.70 pts/yr; 10% track: 1.00 pt/yr) reaching 15.30% / 9.00% at year 10, fully vested (17.00% / 10.00%) at year 11+. Any cash surrender before full vesting forfeits the unvested portion; the bonus fully vests immediately upon death. | Review → |
