💼 Financial Strength & Ratings

Rating Agency	Farm Bureau Financial Services	COUNTRY Financial
AM Best	A (Excellent)	A+ (Superior)
Standard & Poor's	Not rated	Not rated

💪 Both are financially stable, but COUNTRY Financial holds a slightly higher rating from AM Best, giving it a modest edge in claims-paying confidence.

📋 Policy Types Offered

Policy Type	Farm Bureau FS	COUNTRY Financial
Term Life	✅ Yes	✅ Yes
Whole Life	✅ Yes	✅ Yes
Universal Life	✅ Yes	✅ Yes
Indexed Universal	✅ Yes	✅ Yes
Final Expense	✅ Yes	✅ Yes
Children’s Life	✅ Yes	✅ Yes

🎯 Both companies provide a full range of coverage, including term, whole, and advanced permanent life insurance options.

🔄 Coverage Options & Flexibility

• Farm Bureau FS emphasizes flexible payment schedules, policy loans, and customization through local agents.
• COUNTRY Financial provides adjustable term and universal life options, and some products feature guaranteed insurability and conversion to permanent coverage.

🏆 It’s a tie—both companies are highly flexible with customizable options.

📝 Underwriting & Application Process

Feature	Farm Bureau FS	COUNTRY Financial
No-Medical Exam Available	✅ On select products	✅ For some term/whole life
Online Quote Tools	❌ Agent-assisted only	❌ Agent-assisted only
Application Process	Agent-guided	Agent-guided
Turnaround Time	Moderate	Moderate

📋 Both companies rely heavily on local agent relationships. You won’t find fully digital experiences here, but you will get personalized service.

💲 Pricing & Affordability

• Farm Bureau FS offers competitive rates in rural markets and discounts for members or bundled policies.
• COUNTRY Financial is known for affordable term life rates and simplified underwriting for healthy applicants.

💡 COUNTRY Financial often comes out slightly cheaper, especially for term coverage.

🔄 Alternatives to Consider

• State Farm – Great for agent support and strong whole life options
• Mutual of Omaha – Affordable simplified issue and final expense
• Protective Life – Term life leader with competitive pricing
• Foresters Financial – Community-focused and great for simplified issue policies

🛠 Riders & Customization

Rider Option	Farm Bureau FS	COUNTRY Financial
Waiver of Premium	✅ Yes	✅ Yes
Accelerated Death Benefit	✅ Yes	✅ Yes
Child Term Rider	✅ Yes	✅ Yes
Guaranteed Insurability	✅ Yes	✅ Yes
Long-Term Care Rider	✅ On UL/IUL	✅ On UL
Return of Premium Rider	❌	✅ Select term

🛠 Both offer excellent rider options. COUNTRY Financial may appeal more if you want return of premium or flexible long-term planning.

🎯 Best For…

Farm Bureau FS is best for:

• Rural families and farmers
• People who prefer strong agent relationships
• Clients looking for permanent life insurance with flexible features

COUNTRY Financial is best for:

• Budget-conscious individuals seeking term or universal life
• Clients wanting guaranteed insurability or ROP riders
• Those looking for slightly more affordable pricing

📊 Pros and Cons (Comparison Table)

Feature	Farm Bureau FS	COUNTRY Financial
Financial Strength (AM Best)	A	A+
Term Life Pricing	✅ Competitive	✅ More Affordable
Policy Variety	✅ Full Range	✅ Full Range
No-Exam Options	✅ On Select Products	✅ On Select Products
Agent-Only Access	✅ Yes	✅ Yes
Online Quotes	❌ No	❌ No
Long-Term Care Riders	✅ Yes	✅ Yes
Return of Premium Rider	❌ No	✅ Yes

🤝 Customer Experience & Support

• Farm Bureau FS agents often serve clients who are members of agricultural communities.
• COUNTRY Financial agents tend to offer more flexible financial planning support, including auto, home, and life.

🏁 Final Verdict

✅ Choose Farm Bureau FS if:

• You’re in a rural area or part of a farming/agricultural community
• You want tailored whole or permanent life insurance
• You value personal service and flexible permanent coverage

✅ Choose COUNTRY Financial if:

• You’re price-conscious and want affordable term life
• You prefer flexibility in customizing riders
• You want access to long-term care or return-of-premium benefits