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Fixed Indexed Annuity

Farmers Harvest

Farmers Life Insurance Company

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9.75%

Best S&P 500 Annual Cap

5%

Free W/D

27

Jurisdictions

Product data status: July 14, 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.

Model this product

See what Farmers Harvest would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 14, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$262,938
Est. value at age 80 (Farmers Harvest)
9.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11.5% Cap (Enhanced Participation Rate · Annual · 0.95% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Farmers Harvest's published cap rate (11.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Net growth deducts the 0.95% annual strategy fee returned for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of July 14, 2026.

Free Comparison Report

Get a Farmers Harvest rate report

See how Farmers Harvest compares for your age, state, premium, and income goals alongside other Farmers Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Farmers Harvest

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Farmers Life Insurance Company product.

Live product data

Rates as of July 14, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.75% 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 term10-year surrenderAdvisorWorld + 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 options

5, 7, and 10 years

Free withdrawal

5%/yr

Availability

27 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

11.25% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

9.5% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

11.5% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

9.5% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

11.75% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

9.5% cap rate

Annual cap

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

45% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

55% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

45% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

45% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

55% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

45% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

45% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

55% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Enhanced Participation Rate

45% participation rate

Participation

Strategy fee: 0.95%/yr

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

4% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

+ 36 additional crediting 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.

Free Comparison Report

Get a Farmers Harvest rate report

See how Farmers Harvest compares for your age, state, premium, and income goals alongside other Farmers Life Insurance Company fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (66 rows)

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

Par: 165% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 140% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)5-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)5-yr surrender

Par: 110% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 90% · 1-yr

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

participation

Selected state rate set (TX)5-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 45% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Cap: 11.25% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)5-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 115% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)5-yr surrender

Par: 90% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 90% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)5-yr surrender

Par: 70% · 1-yr

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

participation

Selected state rate set (TX)5-yr surrender

Par: 45% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)5-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)5-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender

Par: 165% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 140% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)7-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)7-yr surrender

Par: 110% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 90% · 1-yr

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

participation

Selected state rate set (TX)7-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 45% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Cap: 11.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)7-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 115% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)7-yr surrender

Par: 90% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 90% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)7-yr surrender

Par: 70% · 1-yr

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

participation

Selected state rate set (TX)7-yr surrender

Par: 45% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)7-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)7-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 115% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)10-yr surrender

Par: 90% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 90% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)10-yr surrender

Par: 70% · 1-yr

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

participation

Selected state rate set (TX)10-yr surrender

Par: 45% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)10-yr surrender

Cap: 7.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrender

Fixed: 3.75% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrender

Par: 165% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 140% · 1-yr

NASDAQ-100 Volatility Control 7% Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 140% · 1-yr

Bloomberg Global Momentum Diversified Leaders 5% ER Index

participation

Selected state rate set (TX)10-yr surrender

Par: 115% · 1-yr

NASDAQ-100 Volatility Control 7% Index

participation

Selected state rate set (TX)10-yr surrender

Par: 110% · 1-yr

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

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 90% · 1-yr

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

participation

Selected state rate set (TX)10-yr surrender

Par: 55% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

Selected state rate set (TX)10-yr surrender

Par: 45% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Cap: 11.75% · 1-yr

S&P 500 Index

Enhanced Participation Rate · cap

Selected state rate set (TX)10-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrender

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.

Common questions about Farmers Harvest

● Can I lose money in Farmers Harvest?

A negative index return by itself does not reduce the contract's account value: Farmers Harvest credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 5% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Farmers Harvest's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Farmers Harvest strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.65%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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 27 distinct indexed or fixed crediting choices across 96 current rate listings, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 11.25% annual cap, 0.95% annual strategy fee
  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 9.5% annual cap, 0.95% annual strategy fee

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

Free Comparison Report

Get a Farmers Harvest rate report

See how Farmers Harvest compares for your age, state, premium, and income goals alongside other Farmers Life Insurance Company fixed indexed annuity options.

Get my rate report

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