A.M. Best B++ rated · 3 products
Farmers Life Insurance Company Annuities
Farmers Life Insurance Company is an A.M. Best B++-rated annuity carrier. The current lineup includes 3 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
B++
A.M. Best
Annuity products
3
3 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 2 FIA product pages, 1 MYGA product page
- Product families
- Farmers Harvest, Safeguard
- Product types
- FIA, MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
Free Comparison Report
Get Farmers Life Insurance Company's current rate report
Compare Farmers Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Carrier Profile
About Farmers Life Insurance Company
Farmers Life Insurance Company offers a focused range of retirement annuity products, including multi-year guaranteed annuities (MYGAs) designed to deliver guaranteed interest, tax-deferred growth, and principal protection. Serving individuals and financial professionals nationwide, Farmers Life emphasizes simplicity, transparency, and personalized service to help clients build predictable income streams for retirement. With competitive rates and straightforward product options, the company is committed to helping retirees achieve long-term financial stability.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Farmers Harvest 10
A premium-bonus accumulation FIA on a ten-year ladder, pairing a recognizable S&P 500 cap with volatility-controlled alternative indexes.
Open product pageSafeguard Plus
A multi-year guaranteed annuity from Farmers Life Insurance Company offering 3-, 5-, 7-, and 10-year guarantee periods on a 10-year surrender ladder, with a published annual free-withdrawal allowance and a Death-Benefit Rider in the feature set.
Open product pageFarmers Harvest 7
An accumulation FIA with a shorter seven-year surrender period and a mixed menu of S&P 500 plus volatility-controlled alternatives.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Farmers Harvest
2 product pages
Farmers Harvest 10, Farmers Harvest 7
MYGA Products
Safeguard
Safeguard Plus
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
Free Comparison Report
Get Farmers Life Insurance Company's current rate report
Compare Farmers Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Farmers Harvest 7 and Farmers Harvest 10 share a marketing family name but remain separate pages because the live productIds carry different surrender terms and bonus mechanics.
Safeguard Plus is the fixed-rate product in this Farmers Life carrier profile.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Farmers Life Insurance Company Product Families
Product-list pages carry the full tables, filters, and detail links.
Free Comparison Report
Get Farmers Life Insurance Company's current rate report
Compare Farmers Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.