Farmers offers term, whole, and universal life insurance to Connecticut families through Farmers New World Life Insurance Company. As Manchester's authorized Farmers agency, we'll help you pick the right product — and compare it against other top carriers to make sure it's the right deal.
Not sure how much coverage you need? Start with our DIME-method guide → or book a 15-minute call.
📅 Book Time with the Agency →Three product families, three different jobs. Here's what each one does and who it's built for.
Pure protection for a set period — typically 10, 20, or 30 years. The most affordable way to get a large death benefit during the years your family depends on your income.
Lifetime coverage with premiums that never increase, a guaranteed death benefit, and cash value that grows at a guaranteed rate. Simple, predictable, permanent.
Flexible permanent coverage — adjust premiums and death benefit as life changes. Farmers Index Universal Life® ties cash value growth potential to a market index, with downside protection floors.
| Feature | Term Life | Whole Life | Universal / IUL |
|---|---|---|---|
| Coverage length | 10, 20, or 30 years | Lifetime | Lifetime (flexible) |
| Premiums | Lowest — level for the term | Level, guaranteed for life | Flexible — you can adjust |
| Cash value | None | Guaranteed growth | Growth potential (indexed options) |
| Typical use | Income & mortgage protection | Final expense, legacy, guarantees | Flexible planning, retirement supplement |
| Relative cost | $ | $$$ | $$ |
Life insurance issued by Farmers New World Life Insurance Company. Products and features may not be available to all applicants and may vary by state — restrictions, exclusions, limits, and conditions apply. We'll confirm current Connecticut availability when you quote.
Most Farmers agents can only show you Farmers. Ken is an authorized Farmers agent with independent market access — so you see Farmers New World Life products side by side with other top-rated life carriers. If Farmers is the best fit, you'll know it. If another carrier rates your health class better, you'll know that too.
Rates vary by age, health, coverage amount, and term length. Your rate depends on specific factors — call for an accurate quote.
A 10-minute conversation with Manchester's Farmers agent could secure your family's future.