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Whole Life Insurance

With whole life insurance you can provide financial protection for your loved ones upon your death and have access to your policy’s accumulated cash value while you’re living. We offer two whole life insurance policies to provide the lifetime protection you want:


With an AllLife policy you can have life insurance protection that remains the same throughout your lifetime, provided premium payments are current. You can choose to pay your premiums over a period of time or pay just a single premium for coverage that lasts your whole life. Your policy earns cash value  that can be used for things like college funding or mortgage down payments.1


AccumuLife is whole life insurance that’s designed to accumulate cash value, giving you more access to your life insurance while you’re living. Like all whole life products, you’ll still have protection for your loved ones at your death, but through the accumulation of dividends and tax-deferred interest, you’ll also can use cash value as a retirement supplement or for other personal or business uses.1

Features Designed for You

Tax Advantages

Your policy accumulates value on a tax-deferred basis. Upon your death, your beneficiaries may receive the benefits from your policy income tax-free.

Living Benefit

If a qualifying terminal illness occurs, you can receive money by using a portion of your policy’s death benefit. This protection is provided at no additional cost on all AllLife or AccumuLife policies.

Income Options

Upon your death, individuals you specify (“beneficiaries”) may receive benefits from the policy income tax free. These benefits are paid directly to your beneficiaries, so there should not be any additional costs or delays in receiving the policy proceeds.


A portion of the premiums may be returned to you as dividends. You can utilize any dividends in the following ways:

  • Apply to the purchase of additional life insurance
  • Use to reduce your annual premium payments3
  • Keep within your policy and earn a competitive interest rate
  • Receive as a cash payment

Payment Options

Customize your premium payments with these options:

  • Paid Up at 100 – Premium payments remain the same to age 100, at which time the policy is paid up, meaning no additional premiums are necessary.
  • Paid Up at 65 – Premiums are paid until age 65, at which time the policy is paid up, meaning no additional premiums are necessary.
  • 15-Pay – Premiums are paid for just 15 years.
  • 10-Pay – Premiums are paid for just 10 years.
  • Single Premium – A single premium payment is made when the policy is issued.

Service Through Life’s Stages

When you choose whole life insurance with Farm Bureau Financial Services, you will receive an annual report highlighting the policy cash value, current death benefit, beneficiary designations and loan balance, if applicable. When you choose us, you’re also choosing the services of an agent, dedicated to helping you meet your insurance needs and financial goals throughout the different stages of your life.

It’s your future. Let’s protect it.®

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1 Any loans from the policy’s cash value will reduce the policy’s cash value and death benefit if the borrowed funds, plus interest, are not repaid by the time of your death. Further, if your life insurance policy is classified as a Modified Endowment Contract (MEC), distributions, including loans, may be taxed less favorably than non-MEC policies.
2 Dividends are not guaranteed and are based on current Company experience, which can vary from year to year.
3 This feature not available on Single Premium AllLife or Single Premium AccumuLife products.

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