Insurance Products

Whole Life Insurance

Maintain your premiums, earn dividends, and enjoy peace of mind.

Find an Agent

Whatever your family’s life insurance needs, Colorado Farm Bureau Insurance Company® agents can build the right plan for you. Start with a permanent life policy, which is the foundation of any life insurance plan, and add term coverage to meet your temporary needs. The amount of life insurance coverage that you may qualify for or apply for is subject to medical and financial underwriting by Southern Farm Bureau® Life Insurance Company, Jackson, MS.

Whole Life Insurance Plans

These plans provide protection to age 120. Guaranteed cash values grow through the years. Dividends can further enhance the cash values and death benefit.

Whole Life Insurance

Premiums are guaranteed level to age 100

20 Pay Life

Premiums are level and guaranteed for 20 years. At that time the coverage is paid up; no further premiums are required.

30 Pay Life

Premiums are level and guaranteed for 30 years. At that time the coverage is paid up; no further premiums are required.

Single Premium Whole Life

One premium in a lump sum is paid upfront at the beginning of the policy. At that time the coverage is paid up; no further premiums are required. No riders (except Accelerated Benefit Rider) are allowed with this policy.

Whole Policy Dividends


Dividends may be earned after the first policy year. Dividends are not guaranteed by SFBLI, but when earned, may increase the policy cash value and death benefit. The policy owner has several options on how they are applied.

Options include:

  • Paid up Additional Insurance that goes towards increasing the death benefit and the policy’s cash value
  • Leave on the policy earning interest
  • Paid in cash directly to the owner
  • Apply to the annual or semi-annual premium, which reduces the amount you pay out of pocket

Dividends are not guaranteed and are based on the Company’s experience on investment earnings, mortality, expense, and taxes.

Other Benefits

Accelerated Benefit Rider (ABR)

Allows the insured to acquire a portion of the policy benefits in the event of terminal illness. ABR is available at no additional premium. This benefit allows you to acquire a portion of the policy benefits in the event of a terminal illness. The death benefits will be reduced by the amount accelerated. Any benefits received under the ABR may adversely affect your eligibility for public assistance programs; and the benefits received under this rider may be taxable.

Waiver of Premium Agreement (WP)

Waives premiums on the policy while the insured is totally disabled as described in the policy contract. WP is available for an additional premium.

Premium Insurance (Pay or Death or Death/Disability)

Can pay the premium if the premium payor is totally disabled or dies (depending on the coverage and terms of the contract) before the insured child reaches age 25.

Guaranteed Insurability Option (GIO)


The GIO guarantees the owner the option to purchase an additional whole life policy on the insured without proving insurability at each option date. This rider is only available for insureds up to age 37 and is available for an additional premium. GIO options can have multiple option dates depending on when purchased, see policy contract for details.


We can help customize a permanent life insurance plan that meets your needs. Click here to contact a local agent.

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