Last Updated: 07/17/2026
SuperMoney User Recommendation Score +80
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
Term Life Death Benefit Range
N/A
Term Options
- Term Life
- Level Term
- Decreasing Term
Financial Strength Rating
A(Verified 04/18/2025)
Number of Reviews
Farmers Life Insurance Review
Farmers life insurance Pros & Cons
| Pros | Cons |
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Farmers is a life insurance carrier based in Woodland Hills, CA. The company was founded in 1928 and offers life insurance products in 50 states (and Washington, DC).
Farmers life insurance FAQ
What types of life insurance products does Farmers offer?
Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.
Here is a brief description of life insurance options Farmers offers.
- Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Farmers life insurance offers term lengths ranging from 10 to 30 years.
- Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
- Decreasing Term Life Insurance- These types of term life insurance policies has fixed premiums but the death benefit decreases over the duration of the term life insurance policy.
- Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
- Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
What is SuperMoney's financial rating of Farmers?
The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Farmers an A or excellent, which is SuperMoney's second highest available score for life insurance companies.
SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Farmers Life Insurance Community Reviews
Would you recommend Farmers Life Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
Farmer's life insurance is amazing. Personally, one of the best insurance companies I have ever seen. It is flexible for most people because it has a fantastic age range that goes all the way up to 80.
BO
Bobmanuel O.
Feb 21, 2022
Would Recommend
I find financial matters confusing, and I check them out pretty quickly when dealing with them. But I wanted to be sure I had the right life insurance for my family, so I found a site and went through the online questionnaire. It only took me a few minutes, and I was amazed and happy that it told me I had the right Insurance already with the farmers' life insurance ...Show More
U
Anonymous
Feb 3, 2022
Would not Recommend
I would never get another life insurance plan from this company. They made a clerical error and when it came time to pay out the policy. They took the money from the pay out to pay for years of additional premium cost due to a clerical error that they made. NEVER USE THEM... THEY DONT OWN UP TO WHAT YOUR PAYING FOR.
TW
Tyra W.
Feb 3, 2022
Would Recommend
Farmer's life insurance is amazing for farmers and their families. They help make a plan for your farm and family for when you pass.
BK
Brandon K.
Aug 19, 2021
Would Recommend
Farmers life insurance is a perfect match for every walk of life. The representatives will help you select a plan that is reasonable for your needs and matches your price range. Also, the agent will assist you in understanding the many options in life insurance short term vs long term, 10 years vs 30 year coverage, etc. Farmers Life Insurance will also answer questions on beneficiaries, payouts. Once you choose ...Show More
OM
Okera M.
Jul 16, 2021
Would Recommend
Farmer's life insurance is amazing. Personally, one of the best insurance companies I have ever seen. It is flexible for most people because it has a fantastic age range that goes all the way up to 80.
PN
P N.
Jun 25, 2021
Would Recommend
Reputable company with a smooth process, I experienced great customer service and got all of my questions answered.
AO
Adebola O.
Jun 14, 2021
Would Recommend
I love the fact that they don't just promise but fulfil also. They have a lot of amazing plan one can choose from and they make sure they follow through. I love them
NI
Nicole I.
Nov 10, 2020
Would Recommend
My family has Farmers Life Insurance and are big fans of it. Coverage starts at $75,000 and the terms offered are 10, 20, or 30 years. There are also a variety of discounts offered. There are also three main insurance options you can choose from that best fits your life and finances. Overall, great life insurance.
TM
Thomas M.
Sep 2, 2020
Would Recommend
Farmers Insurance is a must-have for peace of mind. I inherited my account from my parents, who started it way back when, but I continue to own it to pass onto my own heirs someday, or be able to use it in an emergency. The monthly premium payment is easily deducted from my bank on a recurring basis, and it is growing just fine. My agent also sends yearly statements, ...Show More
Showing 10 of 10 reviews
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