Smart Plan

Indiana Farm Bureau Insurance's Smart Plans are 20 and 30 year term life insurance policies that offer the protection you have grown to trust, with added features you can't ignore. Simplified medical underwriting, guaranteed level premiums and a return of 100% of the premiums you have paid after 20 or 30 years.* Imagine that, term life insurance that pays you back!

100% Return of Premium (ROP) and Simplified Underwriting!
20 and 30 Year Smart Plan clients are eligible to receive a 100% return of premium at the end of the policy term. Of course, stated face amount protection is available if the insured dies within the policy period. But if the insured outlives the policy period, they receive their money back! Only four underwriting questions are asked, and no routine medical exams, blood tests or physicians statements are required!

You'll Love It! We Guarantee It.
20 and 30 Year Smart Plans provide guaranteed level premiums, guaranteed level death benefit, and guaranteed return of premium or paid up term policy to age 95 with no additional premium required at the end of the 20th or 30th year. The Smart Plan Guaranteed Return of Premium feature gives you the choice of receiving all 20 or 30 years of premiums back* -- TAX FREE!


* Return of premium is based on 20 or 30 annual premiums, regardless of the mode (semiannually, quarterly, or monthly) of premium paid.