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Product Details
Farmers Harvest 7 Enhanced Liquiditiy
Company social profile:
Product Name
Farmers Harvest 7 Enhanced Liquiditiy
Annuity Type
FIA
Issuing Insurance Company and Ratings
Farmers Life Insurance Company
Ratings
Product Information
Modified Single Premium annuity offering fixed interest rate guarantee periods and multiple index linked options. The Farmers Harvest 7 Enhanced Liquiditiy has a 7 year withdrawal charge period and a MVA provision. Enhanced Liquidity Benefit Rider provides penalty-free withdrawals up to 5% (or 10% if unused from prior year) after first 30 days.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: $10,000
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: 15 Days
Rates
Effective Date: 17/11/2025
Initial Guarantee Period: 7 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $10,000 - $1,000,000
Current
7 Year Guarantee Period Annual Yield:
3.75%%
Interest rate start of year 1 through end of year 7:
3.75%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Only available in AK AL AR AZ DC GA IA IL IN KY LA MA MO MS MT ND NE NM NV OH OK PA TN TX UT WV WY
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $100
Cumulative Free Withdrawl: 10%
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85 years old
State Restrictions: Only available in AK AL AR AZ DC GA IA IL IN KY LA MA MO MS MT ND NE NM NV OH OK PA TN TX UT WV WY
