Farmers Life Insurance Company
Farmers Harvest 10 Year With Premium Bonus
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
2.53%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 3.00% | — | — | 2.53% |
| Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate | Point to Point | — | — | 115.00% | 0.90% |
| Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 140.00% | 0.90% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 115.00% | 0.90% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate | Point to Point | — | — | 90.00% | 0.90% |
| S&P 500 Annual Point-to-Point Cap Rate | Point to Point | — | 6.25% | — | 0.90% |
| S&P 500 Annual Point-to-Point Enhanced Cap Rate | Point to Point | — | 7.25% | — | 0.90% |
| S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 45.00% | 0.90% |
| S&P 500 Annual Point-to-Point Participation Rate | Point to Point | — | — | 35.00% | 0.90% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 90.00% | 0.90% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate | Point to Point | — | — | 70.00% | 0.90% |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.9%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 27 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.