Farmers Life Insurance Company
Farmers Harvest 5 Year
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
5 years
Top yield
1.54%
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 | 3.75% | — | — | 1.54% |
| 1 Year Fixed Account | Fixed | 3.75% | — | — | 1.54% |
| Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate | Point to Point | — | — | 140.00% | 0.80% |
| Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 165.00% | 0.80% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 140.00% | 0.80% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate | Point to Point | — | — | 115.00% | 0.80% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate | Point to Point | — | — | 115.00% | 0.80% |
| S&P 500 Annual Point-to-Point Cap Rate | Point to Point | — | 9.00% | — | 0.80% |
| S&P 500 Annual Point-to-Point Enhanced Cap Rate | Point to Point | — | 11.00% | — | 0.80% |
| S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 55.00% | 0.80% |
| S&P 500 Annual Point-to-Point Participation Rate | Point to Point | — | — | 45.00% | 0.80% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 110.00% | 0.80% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate | Point to Point | — | — | 90.00% | 0.80% |
| Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate | Point to Point | — | — | 115.00% | 0.80% |
| Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 140.00% | 0.80% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 115.00% | 0.80% |
| Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate | Point to Point | — | — | 90.00% | 0.80% |
| S&P 500 Annual Point-to-Point Cap Rate | Point to Point | — | 7.50% | — | 0.80% |
| S&P 500 Annual Point-to-Point Enhanced Cap Rate | Point to Point | — | 9.25% | — | 0.80% |
| S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 45.00% | 0.80% |
| S&P 500 Annual Point-to-Point Participation Rate | Point to Point | — | — | 35.00% | 0.80% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 90.00% | 0.80% |
| S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate | Point to Point | — | — | 70.00% | 0.80% |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
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.