National Farm Life

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Serving Texans Professionally and Personally for 75 Years

Insurance and Financial Products

With the life insurance products and annuities from National Farm Life, you can give your family the security they deserve, at an affordable monthly rate. Read below to find out more about our insurance and financial products. Have a question or comment? Give us a call!

Whole Life Insurance

National Farm Life offers a Traditional Whole Life policy which gives permanent protection to its policyowners. This policy has a guaranteed premium, cash value, and death benefit. It also is a participating policy which pays dividends based on the company's earnings. Our Whole Life Insurance is our best-selling product!

  • Protection for your whole life, as long as premiums are paid
  • Can build equity in the form of cash value and dividends
  • Offers flexibility and many options to choose from
  • Has initially higher premiums than Term Life, but generally more cost-effective in the long run
  • Just like paying off a house or car, Whole Life insurance can be "paid up"

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Term Life Insurance

National Farm Life offers several different term products. Depending on age, level term life insurance protection is available for 20 or 30 years.

  • Provides coverage for a specified period
  • Affords a less expensive way to get maximum coverage
  • Depending on coverage, it can become expensive after the specified period
  • Does not build equity

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Combining Whole Life and Term Life

You may find a combination of Term and Permanent Life insurance meets your needs best. With National Farm Life, your term insurance is convertible any time within the term

Whole Life Insurance features lifelong protection with guaranteed premiums, death benefit, and cash value.

  • Fixed premiums will not increase
  • Cash value is guaranteed to grow each year
  • Dividends can be used to increase the value of the policy

Our 20 and 30 year level term products can help fill in the gaps of your insurance needs

  • Convertible to permanent. As needs change, you can convert all or some of your coverage to our Whole Life policy for a lifetime of coverage without a physical and with no medical questions asked.

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Premier Choice (Final Expense Policy)

NFL offers a Final Expense policy with issue ages 50-85, a simple 11-question application and no medical exams required. Issue sizes are $5,000 - $50,000.

  • Whole Life Insurance coverage with guaranteed level premiums
  • Guaranteed cash value increasing throughout the life of the policy
  • Death benefits for your beneficiary to pay your final expenses
  • Policy is assignable to any funeral home

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National Farm Life offers a fixed rate annuity with minimum interest rate guarantees.

Annuities from NFL can be a great choice for building a tax-deferred retirement nest egg. Non-qualified annuities allow you to contribute more than you might with IRAs and 401(k) plans.

The Two Phases of Your Annuity

  1. Savings & Investment • Earnings accumulate tax-deferred.
  2. Income • Access your money on an as-needed basis or convert your account balance into a guaranteed stream of income (annuitize) that you can live on for the rest of your life.

Please consult your tax advisor on annuities.

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Mortgage Loans

Interested in a commercial mortgage with National Farm Life? For more information regarding Mortgage Services, contact Mark Williams or Glenda Michelin at (817) 451-9550 or (800) 385-6694. Find Out More!

Have a question or comment? Give us a call!


Listen to our Customers

Donnie Prater was so honest with me in helping with my insurance needs. He is one of the most pleasant persons to deal with.

−Brenda G., Lubbock, Texas Read More

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