Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Coverage overview
AFR life insurance
Review the brochure, policy conditions and coverage options with Premier Protection.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Policy condition
What is the AFR first-year illness-death limitation?
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Included with the policy price
Life coverage with included living benefits
Better Living can advance 3%–4% of the death benefit monthly, up to 75% total, for the qualifying care needs described in the brochure.
Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. This advances the death benefit; unavailable on children.
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Included with the policy price
Premium relief during total disability
Waiver of Premium is included in the printed adult rates and waives premiums for total disability.
Unavailable after age 60 and unavailable on children. Policy definitions and conditions apply.
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Included with the policy price
Included terminal-illness benefit
The brochure includes a 30% lump-sum advance for a qualifying terminal condition.
Requires a life expectancy of less than 12 months under the printed conditions. This advances coverage; the original certificate terms and first-year illness-death limitation remain.
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Optional child coverage — additional premium
Children’s Term Rider
Child term coverage is available for a separate biweekly premium.
| Coverage | Premium |
|---|---|
| $10,000 | $1.35 |
Child coverage attaches to employee coverage. Better Living and Waiver of Premium are unavailable on children.
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Farmers & Ranchers Life Insurance Company
Coverage questions
Read these source-based explanations with the original policy terms. Eligibility and state availability still apply.
How much guaranteed-issue coverage does the AFR brochure offer?
The listed Safeguard brochure offers up to $50,000 for the employee and $50,000 for the spouse. Its broader $10,000-$150,000 table includes amounts above that guaranteed-issue offer. For illness or disease death within 12 months of coverage commencement, including previously unknown or undiagnosed disease, the brochure provides a return of premiums instead of the death benefit. Accident deaths are not affected by this stated limitation; eligibility and certificate conditions still matter.
What is the AFR first-year illness-death limitation?
For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.
Can a spouse have AFR coverage without employee coverage?
The listed brochure says spouse coverage is not dependent on employee coverage. This does not remove the applicable group, eligibility, state or certificate requirements.
What does the AFR source list for child coverage and riders?
The child term rider is $10,000 for $1.35 biweekly. It attaches to employee coverage. The rate heading includes Better Living and Waiver of Premium for eligible adult coverage. Neither applies to children, and Waiver of Premium is unavailable after age 60.
What conditions accompany AFR Better Living benefits?
The listed brochure describes acceleration of 3%-4% of the death benefit monthly, up to 75% total. It requires the printed permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. The original definitions govern; this is an advance of the death benefit.