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A Simple and Fast Way To Purchase Insurance

As a valued client you are qualified to enroll for up to $300,000 of Accidental Death & Dismemberment (AD&D) Insurance at affordable group rates, underwritten by NY Life Insurance Company. This program offers increased financial protection for you and your family.

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Life Insurance
Simplified Issue Term Life Insurance

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For Individuals Seeking the Following
  • Don't want to hassle with medical exams
  • The ability to buy online
  • Quick and easy purchasing process
Product Information
  • Ages 18 to 60
  • Face Amounts from $10,000 to $250,000
Additional product features:
  • No medical exams – policy issued based on answers to application questions
  • Accelerated death benefit
  • Term conversion option
  • Renewable at end of the term period
Life Insurance
Fully Underwritten Life Insurance

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For Individuals Seeking the Following
  • The best possible rates
  • You have time for a medical exam and a longer closing process
Product Information
  • All Ages
  • Face Amounts up to $10 million
Additional product features:
  • Get the best rates when you choose from the top carriers
Life Insurance
Instant Issue Final Expense

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For Individuals Seeking the Following
  • Don't want to hassle with medical exams
  • Guaranteed premiums, death benefit and cash values
  • A gift to someone or help pay final expense bills
Product Information
  • Ages 50 to 80
  • Face Amounts of $5,000, $10,000, $15,000 or $20,000
Additional product features:
  • Premiums will never increase, and the insurance will never decrease
  • As long as you pay your premiums, the product is guaranteed for your entire life
Life Insurance
Whole Life Insurance

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For Individuals Seeking the Following
  • Don't want to hassle with medical exams
  • Guaranteed premium, death benefit and cash values
  • Permanent insurance that can last a lifetime
Product Information
  • Ages 18 to 65
  • Face Amounts up to $150,000
Additional product features:
  • Guaranteed death benefit
  • Cash accumulates at a guaranteed interest rate of 4%
  • Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company
Life Insurance
Children’s Whole Life Insurance up to Age 17

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For Individuals Seeking the Following
  • Low childhood rates that never increase
  • Coverage that is guaranteed and doubles at age 18
  • A responsible gift to the child in your life that will last a lifetime
Product Information
  • Ages 2 weeks to 17 years
  • Face Amounts up to $75,000
Additional product features:
  • Cash accumulates at a guaranteed interest rate of 4%
  • Ability to increase coverage up to 10 times original face amount without underwriting
  • Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company
Disability Insurance
Online Disability Income Insurance

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For Individuals Seeking the Following
  • Don't want to hassle with medical exams
  • The ability to buy online
  • Coverage for income replacement in the event of disability
Product Information
  • Ages 18 to 60, covers up to age 65
  • Face Amounts up to the higher of your income or $100,000
Additional product features:
  • Covers both manual and non-manual jobs.
Accident Insurance
Accidental Death Protection

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For Individuals Seeking the Following
  • The ability to protect your family in the event of an accidental death or dismemberment
  • Very straightforward coverage, no underwriting
  • Guaranteed Issue Coverage for qualifying customers
Product Information
  • All Ages
  • Face Amounts up to $300,000
Additional product features:
  • Benefits increase every year by 2% for five years
  • Additional coverage includes: Seat Belt, Air Bag, Education, and Rehabilitation benefits

Why Choose Farmers & Merchants Bank For Your Insurance Needs?

Service matters

There is no such thing as a one-size-fits-all life insurance solution, but we know you may also want to use the web and not spend time on the phone talking to an advisor. That's why we present you with great online options, available 24 by 7, with the option to complete the process 100% online. You can also always talk to one of our licensed advisors.

A Great Range of Products

We offer you a wide range of insurance products to meet your needs as your life progresses. Whether you are starting out and want to provide for your family or you want to ensure your legacy is secure, we have the right choices for you.

Online Services, No Need to Talk to an Advisor

We know life can be complicated. Purchasing insurance shouldn't be. That is why we offer a range of ways to quote and even buy online.

Advisors Are Available If You Prefer

In addition to our great online resources you can contact one of our advisors at (866) 327-4747 or email us at sales@thelifeinsurancecenter.net.


Insurance products:
Are Not Deposits Not Guaranteed by the Bank Subject to Risk
Not Insured by FDIC or any other Government Agency May Lose Value


Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Allianz Life Insurance Company of North America, Minneapolis, MN and Allianz Life Insurance Company of NY, New York are both members of Allianz Insurance Group, Minneapolis, MN; American General Life Insurance Company, Houston, TX; The United States Life Insurance Company in the city of New York, New York, NY member companies of American General Life Companies, Assurity Life Insurance Company, Lincoln, NE; Aviva Accorda Life in a subsidiary of Global Atlantic Financial Group, West Des Moines, IA; Aviva Life and Annuity Company of New York, Melville, NY; American National Insurance Company, Galveston, TX; AXA Equitable Life Insurance Company (New York, NY); Banner Life Insurance Company is a subsidiary of Legal & General Group, Plc, London, UK; Legal and General America, Frederick, MD; Banner Life Insurance Company, Urbana, MD: William Penn Life Insurance Company of New York, Garden City, NY; Equitable Life and Casualty Insurance Company, Salt Lake City, UT; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; First Central National Life Insurance Company, New York, NY and Household Life Insurance Company, Detroit, MI, member companies of HSBC Insurance; Genworth Life and Annuity Insurance Company, Richmond, VA and Genworth Life Insurance Company of New York, New York, NY, only Genworth of New York is admitted in and conducts business in New York, member companies of Genworth Financial, Inc.; Gerber Life Insurance Company, White Plains, NY; Great West Life and Annuity Insurance Company, White Plains, NY; Integrity Life Insurance Company, Cincinnati, OH and National Integrity Life Insurance Company, Goshen, NY are both members of Western & Southern Financial Group, Cincinnati, OH; John Hancock, Boston, MA; Liberty Mutual Insurance, Boston, MA; Lincoln Life and Annuity Insurance Company of New York, Syracuse, NY and the Lincoln National Life Insurance Company, Tort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; MassMutual Life Insurance Company, Springfield, MA; First Metlife Investors Insurance Company, New York, NY, Metlife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the Metlife family; North American Company Life and Health, Chicago, IL and North American Company Life and Health of NY, Garden City, NY are both members of Sammons Financial Group, Chicago, IL; Principal Life Insurance Company, Des Moines, IA; Protective Life and Annuity, Birmingham, AL; Minnesota Life, St. Paul, MN; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ member companies of Prudential Financial, Inc., Newark, NJ; RellaStar Life Insurance Company, Minneapolis, MN, RellaStar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, member of the ING Voya family of companies; Securian Life Insurance Company, St Paul, MN; Symetra Life Insurance Company, Belluvue, WA; Transamerica Life Insurance Company, Cedar Rapids, IA; First Symetra National Life Insurance Company of New York, New York, NY; Vantis Life Insurance Company, Windsor, CT.
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