Life is unpredictable, Count on us to be there

Life Insurance

Life is unpredictable. Count on us to be there.


You can depend on us to design a policy to suit multiple stages of your life.


What's right for me?


Life Insurance Calculator

Whatever your unique life insurance needs,

we've got you covered.

Term Life

Designed to provide temporary coverage for a specific period of time.

Return of Premium Life

Enjoy a policy that offers protection and pays you back after 20 or 30 years.

Whole Life

Protection that remains in force for life, with level premiums and tax-deferred cash value accumulation.

Final Expense Coverage

Protection that remains in force for life, with level premiums and a guaranteed death benefit as long as premiums are paid.

What will my coverage include?

Return of Premium Life Term Life Whole Life Final Expense Coverage
Reduced paid-up coverage
Information-icon Reduced paid-up insurance allows you to continue your life insurance coverage without paying additional premiums, but the initial death benefit will be reduced. This is effective when your need for life insurance protection reduces throughout your life.
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No medical exam
Information-icon Depending on an individual’s age, amount of insurance applied for, and medical history, the underwriting process may not require the individual to submit to an exam, blood drawn or urine specimen.
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Guaranteed level premium
Information-icon The premium is guaranteed to remain the same throughout the insured’s lifetime or applicable policy term.
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Guaranteed death benefit
Information-icon When purchasing a life policy, you will decide on how much of a death benefit you require and for how long. Your death benefit is guaranteed to remain the same, all you have to do is pay your premium on time.
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Cash accumulation
Information-icon Cash accumulation refers to the tax deferred cash that builds inside a whole life or return of premium term life insurance policy. The cash accumulation addresses the savings feature, which can be utilized in the future.
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Accelerated death benefit for terminal illness
Information-icon A living benefit that allows you to access virtually all of the death benefits prior to your death, if you are diagnosed with a life expectancy of 12 months or less.
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Lower premium at the beginning of the policy
Information-icon With an Annual Renewable Team (ART) policy the amount of the death benefit remains constant, the premiums are initially inexpensive, but the premiums increase each year.
Provides lifetime coverage
Information-icon Whole life insurance is designed to provide permanent coverage throughout your entire life. It will not reduce, and will remain in force your whole life if you continue to pay the premium.
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Accelerated death benefit for chronic illness
Information-icon A living benefit that allows you to access a portion of the death benefit in advance of your death. To qualify, you must be diagnosed with a qualifying chronic illness.

Protect the ones you love.

Begin the process by requesting a free life insurance quote online. Or contact a local Indiana Farm Bureau Insurance agent who can assist with customizing a life insurance policy that protects your family after the unexpected. 

Get Started
Calculate your life insurance need

Calculate your life insurance needs

How much do you need? Based on your answers to the following questions, we'll provide you with an estimate of how much life insurance coverage would be best for your situation.


Life Insurance Calculator

Beneficiary Assistance 

Don’t take the next steps alone.


Resources and More


Women checking beneficiary assistance program details on her ipad
Insurance can be confusing.
Our agents make it as easy as 1, 2, 3.

Help you understand what you have


Whether you currently have life insurance or not, an expert agent will have a quick conversation with you and answer your questions.


Discuss your personal goals


During this conversation, the agent will work with you to determine your goals, whether it be to replace personal income, pay off debt, or provide college education. 


Create and adjust your plan to the stages of your life


Once you identify your goals, the agent will create a life insurance program that meets your unique needs. 

Inside Story by Indiana Farm Bureau Insurance


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