A.M. Best B++ rated · 14 products

Farmers Life Insurance Company Annuities

Farmers Life Insurance Company is an A.M. Best B++-rated annuity carrier. The current lineup includes 14 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

B++

A.M. Best

Annuity products

14 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: 12 FIA product pages, 2 MYGA product pages
Product families: Farmers Harvest, Bridge, Certainty Select, MarketEarly Income Index, MarketEdge Bonus Index, MarketFive Index, MarketFuture Bonus Income Index, MarketPower Bonus Index, plus 5 more
Product types: FIA, MYGA

Financial Strength

A.M. Best B++

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.

Carrier Profile

About Farmers Life Insurance Company

Farmers Life Insurance Company is a licensed life insurance provider headquartered at 243 North Peters Road, Knoxville, TN. The company specializes in annuity products designed to help individuals grow and protect their savings, particularly in preparation for retirement. Its flagship offering, the Safeguard Plus® Multi-Year Guaranteed Annuity (MYGA), is crafted for clients seeking secure, predictable, tax-deferred growth.

Financial Strength In Plain English

A.M. Best’s B++ (Good) rating reflects Farmers Life Insurance Company’s solid financial foundation and moderate ability to meet ongoing insurance obligations. This rating places the company in the secure category, indicating that it is a stable and dependable insurer, albeit not in the highest tiers of financial strength. The B++ rating assures customers and policyholders that while the company maintains sound operations and claim-paying capabilities, it may be more vulnerable to adverse economic conditions than higher-rated peers. Nonetheless, for a company focused on annuity products with guaranteed features and no market exposure, this rating supports confidence in their long-term contractual commitments.A.M. Best

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.

FIAAccumulationA001VU

Bridge

An accumulation-focused fixed indexed annuity with a recognizable S&P 500 cap alongside two volatility-controlled alternative indexes.

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MYGASafetyA001NF

Certainty Select

An EquiTrust MYGA filed across 49 states plus DC (excludes New York), offering an unusually wide menu of 3-, 5-, 6-, 8-, and 10-year guaranteed terms on a 10-year surrender ladder, with nursing-home and terminal-illness surrender-charge waivers and a multi-agency carrier financial-strength view.

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FIAAccumulationA001MT

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.

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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

Bridge