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Michigan Farm Bureau Family of Companies


Create an Income You Can't Outlive

Annuities are designed to help protect you from the risk of outliving your income. For retirement, annuities may have greater tax advantages than other options.


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Protect your retirement and your future - request a quote today. 


Farm Bureau Insurance Company of Michigan offers individual annuities, annuities for small businesses, as well as deferred and immediate annuities.

Young modern woman working from home

You want to protect your retirement. Farm Bureau Insurance of Michigan has a variety of options to help you do just that.

Single Premium

A single premium annuity allows you to use a single sum of money to pay for the annuity.

Flexible Premium

Make contributions to your annuity when you have the funds to do so with a flexible premium annuity.


Eligible individuals or their spouses may make contributions to an IRA or Roth IRA. We also accept transfer and rollovers from eligible sources.

Non-Qualified Accounts

Have bank cd’s? Funds from the sale of a house? Or not eligible for life insurance? We can help you set up a non-qualified annuity. Taxes are typically not due until funds are removed from the account.

Asian business woman talking to her colleagues about plan in video conference

Your employees are important to you. Help protect their future with one of Farm Bureau’s employer sponsored annuities.


Create a way for you to share your company’s profits with your employees while encouraging your employee to create a traditional IRA.

Simple IRAs

Create a matching contribution plan with your employees. Elections can be changed annually. Employers with 100 or fewer employees are eligible for this annuity.

These retirement plans are available for churches, schools, and governments. These plans utilize a plan sharing agreement.

View Rate History
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Creating a retirement fund is easier than you may think with a deferred annuity. Make one contribution or several and take the funds later with tax advantages.

Annuity Plan Details

Plan details include:

  • Return of premium guaranteed 
  • Taxable interest is not taxed until a distribution 
  • Withdrawals/surrenders may be made at anytime 
  • May be an individual account or employer sponsored 
Latin boy saving money in piggybank

When your employer no longer offers a payment stream for the rest of your life, you can create your own with immediate annuity.

Plan Details

Plan details include:

  • One-time contribution
  • Create guaranteed payments for: 
    • Your life 
    • Your spouse’s life 
    • For a period of time 
    • Or a combination of all three

Retirement Planning

Start planning for your dream retirement with expert advice from our insurance agents. Your advisor will help you create a plan that lets you retire when and how you want.

Types of Retirement Plans

The most important thing you can do to prepare for retirement is save. Farm Bureau Insurance offers annuities that earn interest and help your savings grow.