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Fixed Indexed Annuity

Farmers Harvest

Farmers Life Insurance Company

9.5%

Best Cap

5%

Free W/D

27

Jurisdictions

Product data status: May 25, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 25, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.5% cap on S&P 500

An accumulation FIA with a shorter seven-year surrender period and a mixed menu of S&P 500 plus volatility-controlled alternatives.

1-year termAdvisorWorld + CANNEX data

Best fit

An accumulator who wants principal protection on a shorter surrender schedule than the typical ten-year FIA.

AM Best

B++ Good

Surrender period

7 years

Free withdrawal

5%/yr

Availability

27 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.75% cap rate

S&P 500

S&P 500 Index

9.5% cap rate

S&P 500

S&P 500 Index

35% participation rate

S&P 500

S&P 500 Index

45% participation rate

Fixed Account

Fixed Account

3.75% declared rate

+ 6 volatility-controlled index options (S&P U.S., NASDAQ-100 Volatility, Bloomberg Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender ladder is shorter than most carriers' ten-year FIAs, giving a buyer a faster path to the contract's free-of-charge phase.
  • Index menu covers the recognizable S&P 500 plus volatility-controlled alternatives, so a single contract can split between familiar and smoothed-return strategies.
  • Straight accumulation chassis — no optional income rider, no rider fee, no withdrawal-base mechanics to track.

What to confirm

  • Filed in only a partial state list — confirm Farmers Harvest is available in your jurisdiction before quoting.
  • Same marketing name is used for both the seven-year filing and a separate ten-year filing — surrender length, premium-bonus presence, and index menu differ; verify which filing matches your contract.
  • Volatility-controlled indexes advertise high participation rates that are not directly comparable to S&P 500 cap rates — the underlying index is engineered for lower swings, which means smaller upside, not just smaller drawdowns.

Not ideal for

A buyer who needs lifetime-income guarantees from a rider, or who wants the longer surrender period (and any associated premium bonus) of the ten-year sibling filing.

All crediting strategies

View rate listings (22 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

7-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

7-yr surrender

Par: 115% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

7-yr surrender

Par: 90% · 1-yr

S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER

Enhanced Participation Rate · participation

7-yr surrender

Par: 90% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

7-yr surrender

Par: 70% · 1-yr

S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER

participation

7-yr surrender

Par: 45% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

7-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

7-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

7-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate

Par: 115% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Par: 90% · 1-yr

S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER

Enhanced Participation Rate

Par: 90% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Par: 70% · 1-yr

S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER

Par: 45% · 1-yr

S&P 500 Index

Enhanced Participation Rate

Par: 35% · 1-yr

S&P 500 Index

Cap: 9.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate

Cap: 7.75% · 1-yr

S&P 500 Index

Fixed: 3.75% · 1-yr

Fixed Account

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

RMD waiver

Death benefit

Enhanced Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.65%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

RMD waiver, Surrender waivers

Documents

product guide

FLIC-HV_Brochure_082123.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

product guide

FLIC-HV_AtAGlance_082123.pdf

Confidence: highReviewed Apr 4, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Farmers Harvest currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.75% cap
  • S&P 500 Index: 9.5% cap
  • S&P 500 Index: 35% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 7 surrender years
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as FLIC-HV_Brochure_082123.pdf and FLIC-HV_AtAGlance_082123.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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