When it came time to fix our roof, they claimed we had a Cash Value plan. Three different employees, 1 current and 2 previous, explained this happens a lot with them. Our agent failed to update our roof year, the system sends them "trigger alerts" to update it, and when they don't, it defaults the plan to a cash value without alerting the customer. I talked to many, after, that said this happens all the time with them, so I would stay away from Farmer's until they get it fixed! We never did get our money. To boot, the agent would not even answer our calls or emails, and lied to us 2 different times. I would love to just blame her, but the higher ups never made it right.