Document:

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EXHIBIT 4 (i)

[FARMERS LIFE INSURANCE LOGO]

Head Office: 3003 77th Ave. SE, Mercer Island, Washington 98040 / (206) 232-8400

                                A STOCK COMPANY
Annuitant                                                        Contract Number

              INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT

In this contract "we," "us," and "our" refer to Farmers New World Life Insurance
Company. "You" and "your" refer to the Owner of this contract.

This contract is a legal contract between you and us. PLEASE READ YOUR CONTRACT
CAREFULLY.

Your benefits under this contract, the amount of the premium, and other contract
data are shown as the Contract Specifications on the last page of this contract.

THE AMOUNT OF THE DEATH BENEFIT MAY INCREASE OR DECREASE AS DESCRIBED IN THIS
CONTRACT, DEPENDING ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS.

THE CONTRACT VALUE OF THIS CONTRACT MAY INCREASE OR DECREASE DAILY DEPENDING ON
THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS. THERE IS NO GUARANTEED MINIMUM
CONTRACT VALUE WITH RESPECT TO AMOUNTS ALLOCATED TO THE VARIABLE ACCOUNT.

                  NOTICE OF YOUR RIGHT TO RETURN THIS CONTRACT

RIGHT TO EXAMINE PERIOD: YOU MAY CANCEL THIS CONTRACT AT ANY TIME WITHIN 10 DAYS
AFTER YOU RECEIVE IT BY DELIVERING OR MAILING IT TO OUR HOME OFFICE AT MERCER
ISLAND, WASHINGTON OR TO THE AGENT FROM WHOM IT WAS PURCHASED. WE WILL REFUND
THE GREATER OF ALL PREMIUMS PAID OR THE CONTRACT VALUE ON THE DATE WE RECEIVE
THE CONTRACT AT OUR HOME OFFICE.

                               /s/ C. Paul Patsis
                               ------------------
                                 C. Paul Patsis
                                    President

                               /s/ John R. Patton
                               ------------------
                                 John R. Patton
                                    Secretary

                              Farmers New World Life Insurance Company

2000-398          NONPARTICIPATING INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE
                  ANNUITY. MONTHLY INCOME BEGINS ON ANNUITY START DATE. DEATH
                  BENEFIT PAYABLE BEFORE ANNUITY START DATE. ALL PAYMENTS AND
                  VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT
                  EXPERIENCE OF A SUBACCOUNT, ARE VARIABLE AND ARE NOT
                  GUARANTEED.

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         GUIDE TO YOUR CONTRACT

DEFINITIONS....................................................................4

GENERAL PROVISIONS.............................................................6

   Contract....................................................................6
   Change of Contract..........................................................6
   Incontestability............................................................6
   Misstatement of Age or Sex..................................................6
   Minimum Benefits............................................................6
   Nonparticipating............................................................6
   Transaction Delay...........................................................6
   Reports.....................................................................6
   Proof of Survival...........................................................6
   Protection of Proceeds......................................................6
   Discharge of Liability......................................................6
   Instructions and Requests...................................................7

OWNERSHIP......................................................................7

   Owner.......................................................................7
   Rights of Owner.............................................................7
   Assignment..................................................................7
   Transferability of Qualified Plans, TSAs or IRAs............................7

BENEFICIARY....................................................................8

   Beneficiary Designation.....................................................8
   Change of Beneficiary.......................................................8

DEATH BENEFIT..................................................................8

   Before Annuity Start Date...................................................8
   After Annuity Start Date....................................................9

PREMIUM PROVISIONS.............................................................9

   Payment of Premiums.........................................................9
   Allocation of Premium Payments..............................................9

CONTRACT VALUES...............................................................10

   Contract Value.............................................................10
   Records Maintenance Charge.................................................10
   Cash Value.................................................................10
   Surrender Charge...........................................................11

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   Surrender of the Contract..................................................11
   Withdrawals................................................................11
   Postponement of Surrenders and Withdrawals.................................12

FIXED ACCOUNT.................................................................12

   Fixed Account Value........................................................12
   Guaranteed Interest Rate for Fixed Account Value...........................12
   Current Interest Rate for Fixed Account Value..............................12

VARIABLE ACCOUNT..............................................................13

   General Description........................................................13
   Variable Account Value.....................................................13
   Subaccounts................................................................13
   Accumulation Unit Value....................................................14

TRANSFER PRIVILEGE............................................................15

   Transfer Fees..............................................................15
   Transfers from Subaccounts.................................................15
   Transfers from the Fixed Account...........................................16

INCOME BENEFITS...............................................................16

   Election of Annuity Option.................................................16
   Payment Interval...........................................................16
   Proof of Age and Sex.......................................................16
   Evidence of Living.........................................................16
   Date of Payment............................................................16

ANNUITY OPTIONS...............................................................17

   First Option...............................................................17
   Second Option..............................................................17
   Third Option...............................................................17
   Other Options..............................................................17

ANNUITY TABLES................................................................17

   Description of Tables......................................................17
   Minimum Payment............................................................17
   Guaranteed Annuity Table...................................................18

CONTRACT SPECIFICATIONS ...............................Last page of the contract

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                                                DEFINITIONS

ACCUMULATION UNIT          An accounting unit used to calculate the variable
                           account value of this contract before annuity
                           payments begin. It is a measure of the net investment
                           results of each of the variable subaccounts.

ADMINISTRATIVE             COST A charge deducted from the subaccounts on each
CHARGE                     valuation day that compensates us for the expenses we
                           incur to issue and administer this contract.

ANNUITANT                  Before any annuity payments begin, an Annuitant is a
                           person on whose life this contract is issued. When
                           annuity payments begin, an Annuitant is a person
                           during whose lifetime payments may be made under one
                           of the annuity options.

ANNUITY START DATE         The date on which annuity payments are to begin as
                           described under the Income Benefits section of this
                           contract.

BENEFICIARY                A person entitled to receive benefits in case of the
                           death of the Owner or Annuitant, as applicable.

CASH VALUE                 The contract value less any applicable surrender
                           charge and less any applicable charges for optional
                           benefits, for the records maintenance charge and for
                           premium tax.

CONTRACT MONTH, YEAR,      A contract month, year, or anniversary as measured
OR ANNIVERSARY             from the issue date.

CONTRACT VALUE             The sum of the values you have in the variable
                           account and the fixed account.

FINAL ANNUITY DATE         The contract anniversary when the oldest Annuitant is
                           age 95.

FIXED ACCOUNT              An account that is part of our general account, and
                           is not part of or dependent on the investment
                           performance of the variable account.

FIXED ACCOUNT VALUE        The portion of the contract value allocated to the
                           fixed account.

FREE PARTIAL WITHDRAWAL    The amount that can be withdrawn as a partial
AMOUNT                     withdrawal during a contract year without incurring
                           surrender charges.

ISSUE DATE                 The date this contract becomes effective. The issue
                           date is shown on the Contract Specifications page.
                           Contract months, years, and anniversaries are
                           measured from the issue date.

MORTALITY AND EXPENSE      A charge deducted from the subaccounts on each
RISK CHARGE                valuation day that compensates us for providing
                           the mortality and expense guarantees and assuming the
                           risks under this contract.

NET INVESTMENT FACTOR      The ratio of the subaccount value at the end of the
                           current valuation day to its value at the end of the
                           immediately preceding valuation day. The subaccount
                           value reflects gains and losses in the subaccounts,
                           dividends paid, any capital gains and losses, any
                           taxes paid, and the deduction of certain charges.

PAYEE                      A person or entity who receives any amounts payable
                           under this contract. A payee must be a natural person
                           unless we agree otherwise.

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PREMIUM TAX                The amount of tax, if any, charged by any
                           government entity on premium payments, on any portion
                           of the contract value, or on any other funds
                           associated with this contract. We will deduct any
                           premium tax assessed against us either: (a) from
                           premium payments as we receive them, (b) from your
                           contract value upon surrender or partial withdrawal,
                           (c) on the annuity start date, or (d) upon payment of
                           the death benefit.

RECORDS MAINTENANCE        An amount deducted from the contract value at the end
CHARGE                     of each contract year and on the annuity start date
                           or the date when the contract is surrendered. The
                           records maintenance charge is shown on the Contract
                           Specifications page.

SEC                        The United States Securities and Exchange Commission.

SUBACCOUNT                 A division of the variable account. The assets of
                           each subaccount are invested in a corresponding
                           portfolio of a designated fund.

VALUATION DAY              Each day on which the New York Stock Exchange is
                           open for business.

VALUATION  PERIOD          The interval of time commencing at the close of
                           normal trading on the New York Stock Exchange one
                           valuation day and ending at the close of normal
                           trading on the New York Stock Exchange on next
                           succeeding valuation day.

VARIABLE ACCOUNT           The variable account is named on the Contract
                           Specifications page. The variable account is not part
                           of our general account. The variable account has
                           subaccounts, each of which is invested in a
                           corresponding portfolio of a designated mutual fund.

VARIABLE ACCOUNT VALUE     The portion of the total value of your contract that
                           is allocated to the subaccounts of the variable
                           account.

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                               GENERAL PROVISIONS

CONTRACT                   The entire contract is:

                              1.   this contract;

                              2.   the application attached at issue;

                              3.   any attached amendments and supplements to
                                   the application; and

                              4.   any attached riders and endorsements.

                           In the absence of fraud, we will consider all
                           statements in the application to be representations
                           and not warranties. No statement will be used by us
                           to contest a claim unless that statement is in an
                           attached application or in an amendment or supplement
                           to the application attached to this contract.

CHANGE OF CONTRACT         Any change in the terms of this contract must be in
                           writing and signed by one of our officers. A copy of
                           the change will be attached to this contract. No
                           agent has the authority to change any terms or
                           conditions of this contract.

INCONTESTABILITY           We will not contest this contract after the issue
                           date.

MISSTATEMENT OF AGE        If the Annuitant's age or sex has been misstated, the
OR SEX                     benefits provided by this contract will be
                           adjusted to reflect the correct age or sex. After the
                           annuity start date any adjustment for underpayment
                           will be paid immediately. Any adjustment for
                           overpayment will be deducted from future payments. No
                           interest will be charged or credited on overpayments
                           or underpayments.

MINIMUM BENEFITS           Benefits available under this contract are not less
                           than the minimums required by the law of the state in
                           which this contract is delivered.

NONPARTICIPATING           This contract is nonparticipating. It does not share
                           in our surplus earnings.

TRANSACTION DELAY          Payment(s) and transfers from the subaccounts will
                           usually be made promptly but may be delayed under any
                           of the following circumstances:

                              1.   the New York Stock Exchange is closed; or

                              2.   the SEC permits or orders a postponement; or

                              3.   the SEC declares an emergency requiring trade
                                   to be restricted; or

                              4.   the SEC determines an emergency exists,
                                   making the disposal of, or determination of
                                   value of, securities held in the variable
                                   account not reasonably practicable.

                           We may defer a withdrawal or transfer from the fixed
                           account for up to 6 months from the date we receive
                           your request for such a withdrawal or transfer.

REPORTS                    At least once each year before the annuity start
                           date, we will send the Owner a statement showing the
                           current contract value and cash value along with any
                           other information required by law.

PROOF OF SURVIVAL          The payment of any annuity benefit is subject to
                           evidence that the Annuitant is alive on the date such
                           payment is due.

PROTECTION OF PROCEEDS     To the extent permitted by law, no benefits payable
                           under this contract to any person are subject to the
                           claims of an Owner's or Beneficiary's creditors. No
                           person may commute, encumber or alienate any payments
                           under this contract before they are due.

DISCHARGE OF LIABILITY     Any payments made by us under an annuity option or in
                           connection with the payment of any withdrawal,
                           surrender or death benefit shall discharge our
                           liability under this contract to the extent of such
                           payment.

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INSTRUCTIONS AND           All instructions and requests are effective as of the
REQUESTS                   end of the valuation period in which we receive them
                           in a form satisfactory to us, unless the event is
                           scheduled to take place at a later date. We may
                           require that you provide signature guarantees or
                           other safeguards for any instruction, request or
                           document you send us. You acknowledge and agree that
                           we are not liable for any loss, liability, cost or
                           expense of any kind for acting on instructions or
                           requests submitted to us that we reasonably believe
                           to be genuine.

                                    OWNERSHIP

OWNER                      The Annuitant is the Owner of this contract unless:

                           1.   another person is named as Owner in the
                                application; or

                           2.   a new person is named as provided in the Rights
                                of Owner section below.

RIGHTS OF OWNER            During the lifetime of the Annuitant all rights and
                           privileges granted by this contract belong to the
                           Owner. Before the annuity start date the Owner may:

                           1.   Change the Beneficiary or Owner. Any change of
                                Owner requires our approval and is subject to
                                our underwriting rules then in effect.

                           2.   Change the annuity start date.

                           3.   Select the annuity option.

                           4.   Select the person to receive the income
                                payments.

                           5.   Assign or surrender the contract.

                           6.   Withdraw funds from the contract.

                           7.   Allocate payments and transfer contract value
                                among the investment options.

                           After the annuity start date during the lifetime of
                           the Annuitant the Owner may change:

                           1.   the Beneficiary and

                           2.   the person to receive the income payments.

                           We must receive a signed request to exercise any
                           ownership rights.

ASSIGNMENT                 We are not bound by an assignment unless duplicate
                           signed forms are filed with us. We are not
                           responsible for the validity of any assignment. The
                           rights of the Owner and the Beneficiary are subject
                           to the rights of the assignee.

TRANSFERABILITY OF         If this contract is part of a Qualified Plan, as
QUALIFIED PLANS, TSAs      defined in Internal Revenue Code Section 401(a), a
OR IRAs                    Tax Sheltered Annuity (TSA), as defined in IRC
                           Section 403(b), an Individual Retirement Annuity
                           (IRA), as defined in IRC Section 408(b), a Savings
                           Incentive Match Plan for Employees Individual
                           Retirement Annuity (SIMPLE IRA), as defined in IRC
                           Section 408(p), or a Roth Individual Retirement
                           Annuity (Roth IRA), as defined in IRC Section 408A,
                           it is nontransferable. This contract cannot be sold,
                           assigned, discounted, used as collateral for a loan,
                           or as security for the performance of any obligation.

                           If this contract is owned by a trust as part of a
                           Qualified Plan, the trustee may transfer ownership to
                           the Annuitant.

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                           BENEFICIARY

BENEFICIARY                The Beneficiary is the person or persons named to
DESIGNATION                receive any death benefit payable. The Beneficiary is
                           as named in the application or as changed by the
                           Owners most recent signed request.

                           If no Beneficiary is living at the time a death
                           benefit becomes payable, we will pay any death
                           benefit to you or your estate.

CHANGE OF BENEFICIARY      The Beneficiary may be changed at any time before the
                           Annuitant dies. The change must be signed by the
                           Owner and sent to us. The change will take effect on
                           the date it was signed, subject to any action taken
                           by us before we receive the request.

                           If you have named a Beneficiary irrevocably, both you
                           and the Beneficiary must sign any change.

                                  DEATH BENEFIT

BEFORE ANNUITY START       We will pay a death benefit if one of the following
DATE                       occurs before the annuity start date and while this
                           contract is in force:

                           1.   The last surviving Annuitant dies.

                           2.   Any Owner dies. If any Owner is a non-natural
                                person, then the death or change of any
                                Annuitant will be treated as the death of an
                                Owner.

                           If there are multiple Beneficiaries, then the
                           provisions of this section shall apply independently
                           to each Beneficiary. Only one death benefit will be
                           payable under this policy. Upon payment of the death
                           benefit proceeds, the policy will terminate.

                           Amount of Death Benefit: If the death benefit is paid
                           on the death of an Annuitant (including an Owner who
                           is an Annuitant) and the Annuitant dies before his or
                           her 80th birthday and before the annuity start date,
                           the death benefit is the greater of:

                           1.   the contract value on the later of the date that
                                we receive due proof of death and the date when
                                we receive the beneficiary's instructions on
                                payment method; or

                           2.   the minimum death benefit. The minimum death
                                benefit is equal to the sum of all premiums
                                accepted on this contract, minus any
                                proportional reductions for each withdrawal. The
                                proportional reduction in the minimum death
                                benefit is the product of (a) and (b), where

                                (a)  is the minimum death benefit immediately
                                     prior to the withdrawal.

                                (b)  is the ratio of the amount withdrawn
                                     (including any charges) to the contract
                                     value immediately before the withdrawal.

                           In all other cases where a death benefit is payable
                           before the annuity start date (e.g., where the death
                           benefit is payable on the death of an Annuitant who
                           has attained his or her 80th birthday, or where the
                           death benefit is payable on the
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                           death of an Owner who is not an Annuitant), the death
                           benefit is the contract value on the later of the
                           date when we receive due proof of death and the date
                           when we receive the Beneficiary's instructions on
                           payment method.

                           Distribution requirements: If a death benefit becomes
                           payable before the annuity start date, the proceeds
                           must be taken in a lump sum unless we consent to
                           another arrangement within 90 days of receiving due
                           proof of death.

                           In all events, distributions will be made from the
                           contract in accordance with Section 72(s) of the
                           Internal Revenue Code of 1986, as amended. Thus, not
                           withstanding any other provision of this contract, if
                           any Owner dies before the annuity start date, the
                           proceeds must be distributed to the Beneficiary
                           within five years after the date of such death or
                           distributed over the life (or a period not exceeding
                           life expectancy) of the Beneficiary provided that
                           such distributions begin within one year of such
                           Owner's death. However, if the sole beneficiary is
                           the surviving spouse of the deceased Owner, the
                           contract may be continued (in lieu of paying any
                           death benefit) with the surviving spouse as the sole
                           Owner.

                           If an Owner is a non-natural person, then each
                           Annuitant will be treated as an Owner for purposes of
                           these distribution requirements and any change in or
                           the death of any Annuitant will be treated as the
                           death of the Owner for purposes of these distribution
                           requirements. Moreover, if an Annuitant is also an
                           Owner, then the death of such Annuitant will also be
                           treated as the death of an Owner for purposes of
                           these distribution requirements.

AFTER ANNUITY START        If any Owner dies on or after the annuity start date,
DATE                       any remaining payments must be distributed at least
                           as rapidly as under the annuity option in effect on
                           the date of such death. If an Annuitant dies on or
                           after the annuity start date, we will pay any
                           remaining guaranteed payments to the beneficiary as
                           provided by the annuity option selected. If an Owner
                           who is not an Annuitant dies while an Annuitant is
                           still living, we will continue to pay the income
                           payments for the lifetime of the Annuitant in the
                           same manner as before the Owner's death.

                               PREMIUM PROVISIONS

PAYMENT OF PREMIUMS        Premiums are payable at our home office. The initial
                           premium is shown on the Contract Specifications page
                           and is due on the issue date. Subsequent premiums are
                           flexible and may be paid at any time before the
                           annuity start date. Each premium must be at least
                           equal to the minimum subsequent premium payment shown
                           on the Contract Specifications page.

                           The sum of all premiums paid to us may not exceed the
                           cumulative premium limit shown on the Contract
                           Specifications page without our prior approval. The
                           Internal Revenue Code may also limit the maximum
                           amount of premiums you may pay.

ALLOCATION OF PREMIUM      This contract provides investment options for the
PAYMENTS                   contract value. The initial premium allocation
                           percentages are indicated in the application for this
                           contract, a copy of which is attached.

                           The premium allocation percentages that you specified
                           in the application will also

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                           apply to subsequent premium allocations until you
                           change them. You may change your allocation
                           percentages by giving us written notice.

                           Allocation percentages must be zero or a whole number
                           not greater than 100. The sum of the premium
                           allocation percentages must equal 100. An allocation
                           to any subaccount or to the fixed account must be at
                           least $500.

                           We reserve the right to limit the number of
                           subaccount allocations in effect at any one time.

                           Planned periodic premiums and unscheduled premiums
                           will be invested as requested on the valuation day
                           they are received by our home office. The premium
                           payments will be credited to the subaccounts at the
                           accumulation unit value next determined after receipt
                           of each payment.

                           We will allocate the initial premium(s) on the issue
                           date to the fixed account. While held in the fixed
                           account, the premium will be credited with interest
                           at current fixed account interest rates. The
                           premium(s) will remain in the fixed account for 20
                           days.

                                 CONTRACT VALUES

CONTRACT VALUE             The contract value on the issue date is equal to:

                           1.   the initial premium paid; less

                           2.   any premium taxes due.

                           On each date after the issue date, the contract value
                           is equal to the fixed account value plus the variable
                           account value.

RECORDS MAINTENANCE        We will charge a $30 records maintenance charge each
CHARGE                     year until the annuity start date. The charge for a
                           contract year will be imposed on the last valuation
                           day of each contract year.

                           This charge will also be imposed on the annuity start
                           date or the date when the contract is surrendered.

                           The fee will be charged against the variable
                           subaccounts and the fixed account proportionately. If
                           the sum of all amounts paid and transferred to the
                           fixed account during any year plus the interest in
                           excess of 3% credited to the fixed account is less
                           than the proportional share to be charged to the
                           fixed account for the year, then the excess of the
                           fixed account's proportional share over this sum will
                           be charged against the variable subaccounts. The
                           portion of the fee charged to each subaccount will
                           reduce the number of accumulation units standing to
                           the credit of the contract in that subaccount.

CASH  VALUE                The cash value of this contract on any date is:

                           1.   the contract value; minus

                           2.   the surrender charge, if any, that you would
                                incur if you surrendered the entire contract on
                                that date; minus

                           3.   the records maintenance charge that would be
                                assessed if you surrendered the entire contract
                                on that date; minus

                           4.   any premium taxes and optional benefit charges
                                that would be assessed on this contract if you
                                surrendered the entire contract on that date.

                           Surrender charges are shown in the surrender charge
                           table below.

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SURRENDER  CHARGE          A surrender charge will apply to certain partial
                           withdrawals and surrender transactions, and on
                           annuitization.

                           When one of these transactions occurs, we will
                           determine if a charge applies. If a charge applies,
                           it will be calculated as if all payments were
                           withdrawn in the same order in which they were made,
                           which means the contract values associated with the
                           various premium payments will be withdrawn on a first
                           in, first out basis (FIFO). The minimum remaining
                           contract value following a partial withdrawal is
                           $500.

                           Each contract year, you may withdraw up to the
                           greater of:

                           1.   the excess of contract value over total premium
                                payments less prior withdrawals that were
                                previously assessed a surrender charge, and

                           2.   10% of the contract value determined at the time
                                the current withdrawal is requested

                           without incurring a surrender charge. If you withdraw
                           an amount in excess of the above amount, the excess
                           amount withdrawn will be subject to a surrender
                           charge. The surrender charge applies during the
                           entire seven year period following each premium
                           payment as follows:

                            Number of Complete Years            Surrender Charge
                            From Date of Premium payment           Percentage
                            ----------------------------           ----------
                                        0                               7%
                                        1                               6%
                                        2                               5%
                                        3                               5%
                                        4                               4%
                                        5                               3%
                                        6                               2%
                                        7 and thereafter                0%

SURRENDER OF THE           You can surrender this contract at any time prior to
CONTRACT                   the annuity start date by notice to us in writing.
                           Upon surrender, the contract will terminate and we
                           will pay you the cash value determined as of the
                           close of business on the surrender date. Unless a
                           later date is specified in your request, the
                           surrender date is the date your written request in
                           proper form is received at our home office.

                           If you surrender this contract, the portion of the
                           contract value subject to surrender charge is reduced
                           by dividing it by one plus the surrender charge
                           percentage, as shown in the example for a surrender
                           in first policy year:

                           Contract value used in the hypothetical example:
                           $100,000

                           Amount subject to surrender charge:
                           ($100,000-10,000)/1.07=$84,112.15

                           Surrender charge: $84,112.15 X (0.07) = $5,887.85

WITHDRAWALS                Before the annuity start date you may withdraw part
                           of the cash value. Withdrawals are subject to a
                           surrender charge as own in the Surrender Charge
                           section.

                           You will receive a check in the amount of withdrawal
                           you request (less applicable tax withholding), if
                           available. If a surrender charge applies, the
                           contract value will be reduced by the surrender
                           charge plus the dollar amount sent to you. Any
                           premium taxes assessed against this contract on the
                           date of withdrawal will also be deducted from the
                           contract value.

                           The minimum withdrawal is $100. You may make only one
                           withdrawal per

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                           calendar quarter. A withdrawal is not available if
                           the withdrawal plus the surrender charge would cause
                           the contract value to fall below $500.

                           A withdrawal will reduce the amount in each of the
                           subaccounts and the fixed account proportionately,
                           unless you request otherwise.

                           The withdrawal will be processed at the values next
                           determined after receipt of your request in good
                           order.

POSTPONEMENT OF            We can postpone payment of any amounts withdrawn from
SURRENDERS AND             the fixed account for up to six months from the
WITHDRAWALS                date of the request for surrender or partial
                           withdrawal.

                                  FIXED ACCOUNT

FIXED ACCOUNT VALUE        We determine the fixed account value for any
                           valuation period before the annuity start date as the
                           allocation of any premium less any applicable premium
                           taxes, plus any amounts transferred from the
                           subaccounts, increased by credited interest, and
                           decreased by any transfers and withdrawals from the
                           fixed account and by any charges deducted from the
                           fixed account.

                           Guaranteed minimum fixed account values are not less
                           than the minimum values required by the state in
                           which this contract is delivered. Where required, a
                           statement of the method of computing these values has
                           been filed with the state insurance department.

GUARANTEED INTEREST        The fixed account is part of our general account. It
RATE FOR FIXED ACCOUNT     is not part of and does not depend on the investment
VALUE                      performance of the variable account. We credit
                           interest at rates we determine. We guarantee that the
                           effective annual interest rate will not be less than
                           3%.

CURRENT INTEREST RATE      We may use rates that are higher than the guaranteed
FOR FIXED ACCOUNT          minimum rate to calculate interest on the fixed
VALUE                      account.

                           At the time that money is allocated to the fixed
                           account, we guarantee a rate for a stated period of
                           time, usually 12 months. At the end of that period of
                           time, a new rate is guaranteed for at least a
                           12-month period. Amounts allocated to the fixed
                           account at different times may be credited with
                           different rates of interest. Any withdrawal or
                           charges deducted from the fixed account value will be
                           allocated among different portions using a last in,
                           first out method.

                           We reserve the right to offer additional fixed
                           account options in the future such as an option that
                           is available only for the allocation of premium prior
                           to the systematic transfer to subaccounts. Special
                           rules may apply to these fixed account options.

                           We reserve the right to credit different interest
                           rates for different policies on the basis of size of
                           contract value, fixed account value, or other
                           criteria that do not unfairly discriminate.

<PAGE>

                                VARIABLE ACCOUNT

GENERAL DESCRIPTION        The name of the variable account is shown on the
                           Contract Specifications page. The income, gains and
                           losses of the variable account are credited to or
                           charged against the asset held in the variable
                           account, without regard to any other income, gains or
                           losses of any other variable account or arising out
                           of any other business we may conduct.

                           Although we own the assets in the variable account,
                           these assets are held separately from our other
                           assets and are not part of our general account. The
                           assets in the variable account are used to support
                           the operation and provide the variable benefits and
                           values for this contract and similar contracts. The
                           portion of the assets of the variable account equal
                           to the reserves and other contract liabilities of the
                           variable account are not chargeable with liabilities
                           that arise from any other business that we conduct.
                           The assets of the variable account are segregated by
                           investment options, thus establishing a series of
                           subaccounts within the variable account.

                           When permitted by law, we reserve the right to:

                           1.   create new variable accounts;

                           2.   combine variable accounts;

                           3.   remove, combine or add subaccounts and make the
                                new subaccounts available to you at our
                                discretion;

                           4.   substitute shares of another portfolio of the
                                funds or shares of another investment company
                                for those of the funds;

                           5.   deregister the variable account under the
                                Investment Company Act of 1940 if registration
                                is no longer required;

                           6.   make any changes required by the Investment
                                Company Act of 1940 or any other law; and

                           7.   the variable account as a managed investment
                                company under the Investment Company Act of 1940
                                or any other form permitted by law.

                           If a change is made, we will send you a revised
                           prospectus and any notice required by law. If
                           required, we would first seek the approval of the
                           Securities and Exchange Commission and the
                           appropriate state regulatory authorities before
                           making a change in the investment options.

VARIABLE ACCOUNT VALUE     The variable account value is the sum of the values
                           of the subaccounts under this contract.

SUBACCOUNTS                The subaccounts ore separate investment accounts
                           named by the company. The subaccount values will
                           fluctuate in accordance with the investment
                           experience of the applicable portfolio of the fund
                           held within each subaccount.

                           The subaccount value is determined by multiplying the
                           number of accumulation units credited to the
                           subaccount by the appropriate accumulation unit
                           value.

<PAGE>

                           The number of accumulation units to be purchased or
                           redeemed in a transaction is found by dividing:

                           1.   the dollar amount of the transaction; by

                           2.   the subaccount's accumulation unit value on the
                                date of that transaction.

                           At the end of each valuation day:

                           -    The portion of any premiums, less any premium
                                tax, received since the preceding valuation day
                                and allocated to each subaccount will be applied
                                to purchase additional accumulation units in
                                that subaccount.

                           -    Any transfers to the subaccount from another
                                subaccount or from the fixed account since the
                                end of the previous valuation day will be
                                applied to purchase additional accumulation
                                units in that subaccount.

                           -    Accumulation units will be redeemed from each
                                subaccount to cover any transfers from that
                                subaccount to other subaccounts or to the fixed
                                account since the preceding valuation day.

                           -    Accumulation units will be redeemed from each
                                subaccount to cover any amounts withdrawn or
                                surrendered and any applicable surrender charges
                                assessed against that subaccount since the
                                preceding valuation day.

                           -    Accumulation units will be redeemed from each
                                subaccount to cover the portion of the records
                                maintenance charge deducted from that
                                subaccount.

                           -    Accumulation units will be redeemed from each
                                subaccount to cover any applicable fees and
                                charges for riders, endorsements and
                                supplemental benefits attached to this contract.

                           -    Accumulation units will be redeemed from each
                                subaccount to cover any taxes that, in our sole
                                judgement, have been assessed against this
                                contract or have been assessed as a result of
                                the existence or operation of this contract.

ACCUMULATION UNIT          The value of an accumulation unit for each of the
VALUE                      subaccounts was arbitrarily set at an initial value.
                           The value at be end of any later valuation day is
                           equal to: A X B

                           "A" is equal to the subaccounts accumulation unit
                           value for the end of the immediately preceding
                           valuation day.

                           "B" is equal to the net investment factor for the
                           most current valuation day. This net investment
                           factor equals:

                                            X
                                          -----  - Z
                                            Y

                           "X" equals:

<PAGE>

                           1.   the net asset value per portfolio share held in
                                the subaccount at the end of the current
                                valuation day; plus

                           2.   the per share amount of any dividend or capital
                                gain distribution on portfolio shares held in
                                the subaccount during the current valuation day;
                                less

                           3.   the per share amount of any capital loss
                                distribution on portfolio shares held in the
                                subaccount during the current valuation day.

                           "Y" equals the net asset value per portfolio share
                           held in the subaccount as of the end of the
                           immediately preceding valuation day. "Z" equals
                           charges and fees deducted from the subaccount. These
                           consist of:

                           1.   Mortality and expense risk charges. The
                                mortality and expense risk charges are deducted
                                from each of the subaccounts on each valuation
                                day. They compensate us for providing the
                                mortality and expense guarantees and assuming
                                the risks under this contract. These charges are
                                shown on the Contract Specifications page.

                           2.   Charge for administrative costs. A charge for
                                administrative costs is deducted from each of
                                the subaccounts on each valuation day to
                                compensate us for expenses we incur to
                                administer contracts. This charge is shown on
                                the Contract Specifications page.

                           3.   Any applicable charges, fees and expenses for
                                elders, endorsements or supplemental benefits
                                attached to this contract. We will only deduct
                                these charges if we do not collect them by
                                redeeming accumulation units (as described in
                                the Subaccounts section of this contract).

                           The net investment factor may be greater than, less
                           than or equal to one. Therefore, the value of the
                           subaccount may increase, decrease or remain the same.

                               TRANSFER PRIVILEGE

TRANSFER FEES              Twelve transfers per year may be made free of charge.
                           Any unused free transfers do not carry over to the
                           next contract year. Any additional transfers during a
                           contract year will be charged a $25 transfer fee. For
                           the purpose of assessing a fee, each written request
                           or telephone request is considered to be one
                           transfer. Transfers made pursuant to an asset
                           allocation or dollar cost averaging program we may
                           offer do not count toward these 12 transfers. The
                           transfer fee will be deducted from the amount being
                           transferred.

TRANSFERS FROM             After the Right to Examine Period, you may transfer
SUBACCOUNTS                all or a part of an amount from the value in any
                           subaccount of the variable account to one or more of
                           the subaccounts of the variable account. Transfers
                           may also be made to the fixed account, but not during
                           the six months following any transfer from the fixed
                           account into one or more subaccounts. The minimum
                           amount that you may transfer is the lesser of:

                           1.   $100; or

                           2.   the total value in that subaccount on that date.

                           Any transfer that would reduce the amount in a
                           subaccount below $500 will be treated as a transfer
                           request for the entire amount in that subaccount.

<PAGE>

                           A transfer fee may apply as described above.

                           We may suspend or modify this transfer privilege at
                           any time.

                           Transfers will be processed based on values
                           determined at the end of the valuation day during
                           which the transfer request is received at our home
                           office.

TRANSFERS FROM THE         You may transfer an amount from the value in the
FIXED ACCOUNT              fixed account to one or more subaccounts of the
                           variable account one time during the contract year
                           during the 30 days following an anniversary of the
                           issue date. The minimum amount that you may transfer
                           is the lesser of:

                           1.   $100; or

                           2.   the total value in that subaccount on that date.

                           Any transfer that would reduce the amount in the
                           fixed account below $500 will be treated as a
                           transfer request for the entire amount in the fixed
                           account.

                           We can postpone transfers from the fixed account for
                           up to six months from the date of the request.

                           A transfer fee may apply as described above.

                           We may suspend or modify this transfer privilege at
                           any time.

                                 INCOME BENEFITS

ELECTION OF ANNUITY        On or before the final annuity date (the contract
OPTION                     anniversary when the oldest Annuitant is age 95), an
                           annuity start date must be chosen. An annuity option
                           must be chosen on or before the annuity start date.
                           On the annuity start date, the cash value (or, in
                           case of death, the death benefit) will be used to
                           provide annuity payments. On the final annuity date,
                           we will use the second annuity option with a 10 year
                           guarantee period for payment of the cash value if no
                           choice is made.

PAYMENT INTERVAL           You may choose to have payments made at the end of 1,
                           3, 6, or 12 month intervals. If you do not specify
                           the frequency of payment, we will pay you monthly.

PROOF OF AGE AND SEX       We may require proof of the age and sex of the
                           Annuitant(s) before any payments are made.

EVIDENCE OF LIVING         We may require satisfactory proof that each Annuitant
                           is living when each payment is due. If proof is
                           required, payments will stop until such proof is
                           given.

DATE OF PAYMENT            The first payment under any option shall be made on
                           the day of the month you request, subject to our
                           agreement, and will begin in the month immediately
                           following the annuity start date or approval of the
                           death claim for settlement. Subsequent payments shall
                           be made on the same day of each subsequent period in
                           accordance with the payment interval and annuity
                           option selected.

<PAGE>

                                 ANNUITY OPTIONS

FIRST OPTION               We will pay an income for the lifetime of the
                           Annuitant, ceasing with the last payment due prior to
                           the death of the Annuitant.

SECOND OPTION              We will pay an income for the lifetime of the
                           Annuitant, with the guarantee that we will make
                           payments for at least 10 or 20 years. You select
                           either the 10 or 20 year guarantee period.

                           If payments have been made for less than the 10 or 20
                           year guarantee period at the Annuitant's death, we
                           will pay the balance of the guaranteed payments to
                           the Beneficiary or Beneficiaries for the rest of the
                           guaranteed period.

                           If the guaranteed payments have been paid, the
                           payments will stop with the last payment due before
                           the Annuitant's death.

THIRD OPTION               Joint and Survivor Life Annuity - We will pay an
                           income during the joint lifetime of two Annuitants.
                           After the death of one of the Annuitants, we will
                           continue the payments for the lifetime of the
                           surviving Annuitant. The payments will stop with the
                           last payment due before the death of the last
                           surviving Annuitant.

OTHER OPTIONS              May be available with our consent.

                                 ANNUITY TABLES

DESCRIPTION OF TABLES      The attached tables show the minimum dollar amount of
                           the first monthly payment for each $1,000 applied
                           under the first, second and third annuity options.
                           Under the first or second options, the amount of each
                           payment will depend upon the adjusted age and sex of
                           the Annuitant at the time the first payment is due.
                           Under the third option, the amount of each payment
                           will depend upon the sex of both Annuitants and their
                           adjusted ages at the time the first payment is due.

                           The adjusted age of the Annuitant is determined by
                           calculating the age at the nearest birthday of the
                           Annuitant on the annuity start date and subtracting a
                           number that depends on the year in which the annuity
                           start date belongs:

                               Annuity Start Date    Adjusted Age is Age Minus0
                                  Before 2001                 0
                                  2001 to 2010                1
                                  2011 to 2020                2
                                  2021 to 2030                3
                                  2031 to 2040                4
                                  After 2040                  5

                           Once the Owner has elected an annuity option, that
                           election may not be changed with respect to any
                           Annuitant following the commencement of annuity
                           payments.

MINIMUM PAYMENT            The option elected must result in a payment that is
                           at least equal to the minimum payment amount
                           according to our rules then in effect. If at any
                           time, payments to be made to any payee are or become
                           less than the minimum payment amount,

<PAGE>

                           we have the right to change the frequency of payment
                           to such interval as will result in a payment at least
                           equal to the minimum. If any amount due would be less
                           than the minimum payment amount per year, we may make
                           such other settlement as may be equitable to the
                           payee.

<PAGE>

                           GUARANTEED ANNUITY TABLES
                    Monthly Payments for Each $1000 Applied

<TABLE>
<CAPTION>
                     OPTION 1                                       OPTION 2
                   LIFE INCOME                                     LIFE INCOME
              ------------------------       ------------------------------------------------------
                                             120 Payments Guaranteed       240 Payments Guaranteed
AGE           Male              Female       Male             Female       Male              Female
---           ----              ------       ----             ------       ----              ------
<S>           <C>               <C>          <C>              <C>          <C>               <C>
55            4.20               3.89        4.15              3.86        3.98               3.77
56            4.29               3.97        4.23              3.94        4.04               3.83
57            4.39               4.05        4.32              4.02        4.11               3.90
58            4.49               4.14        4.42              4.10        4.18               3.97
59            4.60               4.23        4.52              4.19        4.24               4.03
60            4.72               4.33        4.63              4.28        4.31               4.10
61            4.84               4.43        4.74              4.38        4.38               4.17
62            4.98               4.55        4.85              4.48        4.45               4.25
63            5.12               4.66        4.98              4.59        4.51               4.32
64            5.27               4.79        5.10              4.71        4.58               4.39
65            5.43               4.93        5.24              4.83        4.64               4.47
66            5.61               5.07        5.38              4.95        4.71               4.54
67            5.79               5.23        5.52              5.09        4.77               4.62
68            5.99               5.39        5.68              5.23        4.83               4.69
69            6.20               5.57        5.83              5.38        4.88               4.75
70            6.42               5.78        5.99              5.54        4.93               4.82
71            6.66               5.97        6.16              5.71        4.98               4.88
72            6.92               6.20        6.33              5.88        5.02               4.94
73            7.19               6.44        6.50              6.06        5.06               4.99
74            7.48               6.70        6.68              6.25        5.10               5.04
75            7.79               6.99        6.86              6.44        5.13               5.08
76            8.12               7.30        7.04              6.64        5.16               5.12
77            8.48               7.63        7.22              6.84        5.18               5.15
78            8.86               7.99        7.39              7.05        5.20               5.18
79            9.27               8.38        7.57              7.25        5.22               5.20
80            9.71               8.81        7.74              7.45        5.24               5.22
81           10.18               9.28        7.91              7.65        5.25               5.24
82           10.69               9.78        8.07              7.85        5.26               5.25
83           11.22              10.32        8.22              8.03        5.27               5.26
84           11.79              10.91        8.36              8.20        5.27               5.27
85           12.41              11.55        8.49              8.36        5.28               5.27
86           13.06              12.23        8.62              8.50        5.28               5.28
87           13.75              12.97        8.73              8.64        5.28               5.28
88           14.49              13.75        8.83              8.76        5.28               5.28
89           15.28              14.59        8.93              8.86        5.28               5.28
90           16.11              15.46        9.01              8.95        5.28               5.28
91           17.00              16.38        9.08              9.04        5.29               5.29
92           17.94              17.34        9.15              9.11        5.29               5.29
93           18.94              18.35        9.21              9.17        5.29               5.29
94           20.01              19.39        9.26              9.23        5.29               5.29
95           21.16              20.49        9.30              9.28        5.29               5.29
</TABLE>

<TABLE>
<CAPTION>
                                                             OPTION 3
                         JOINT LIFE ANNUITY WITH 100% TO SURVIVOR - MALE AND FEMALE JOINT ANNUITANTS
MALE                                                        FEMALE AGE
AGE            55           60           65           70           75           80           85           90           95
---------------------------------------------------------------------------------------------------------------------------
<S>           <C>          <C>          <C>          <C>          <C>          <C>          <C>          <C>          <C>
 55           3.51         3.68         3.83         3.95         4.04         4.11          4.15         4.17         4.18
 60           3.62         3.85         4.07         4.27         4.43         4.54          4.62         4.66         4.69
 65           3.71         4.00         4.30         4.60         4.87         5.08          5.23         5.32         5.37
 70           3.78         4.11         4.50         4.92         5.34         5.71          5.99         6.18         6.28
 75           3.82         4.19         4.65         5.20         5.79         6.38          6.89         7.25         7.47
 80           3.85         4.25         4.76         5.41         6.19         7.05          7.87         8.53         8.98
 85           3.87         4.28         4.83         5.55         6.49         7.62          8.84         9.95        10.79
 90           3.88         4.30         4.87         5.64         6.69         8.06          9.69        11.35        12.75
 95           3.88         4.32         4.90         5.70         6.82         8.37         10.36        12.60        14.70
</TABLE>

<PAGE>

                    FARMERS NEW WORLD LIFE INSURANCE COMPANY
                             Contract Specifications

OWNER                                            CONTRACT NUMBER
ANNUITANT                                        ISSUE DATE
ISSUE AGE  48                                    ANNUITY START DATE
SEX    FEMALE                                    MONTHLY DUE DATE  5

VARIABLE ACCOUNT: FARMERS NEW WORLD LIFE VARIABLE ANNUITY SEPARATE ACCOUNT "A"

INITIAL PREMIUM:               $12,000.00
MINIMUM SUBSEQUENT             $500.00, OR $50.00 FOR PAYMENTS DRAWN BY US
PREMIUM PAYMENT:               ON YOUR ACCOUNT VIA PAPER OR ELECTRONIC DEBIT.

CUMULATIVE PREMIUM             $1,000,000
LIMIT:

RECORDS MAINTENANCE            $30 (OR $0 IF CONTRACT VALUE AT THE TIME THE
CHARGE (ANNUAL):               CHARGE IS MADE IS AT LEAST $50,000)

MORTALITY AND EXPENSE RISK     0.95% (ON AN ANNUAL BASIS) OF THE DAILY NET
CHARGE:                        ASSETS OF THE VARIABLE ACCOUNT.

ADMINISTRATIVE COST            0.20% (ON AN ANNUAL BASIS) OF THE DAILY NET
CHARGE:                        ASSETS OF THE VARIABLE ACCOUNT.

NO PREMIUM TAXES APPLY TO WASHINGTON CONTRACTS.

2000-398                   NONPARTICIPATING INDIVIDUAL FLEXIBLE PREMIUM DEFERRED
                           VARIABLE ANNUITY. MONTHLY INCOME BEGINS ON ANNUITY
                           START DATE. DEATH BENEFIT PAYABLE BEFORE ANNUITY
                           START DATE. ALL PAYMENTS AND VALUES PROVIDED BY THIS
                           CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF
                           A SUBACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED.<PAGE>

Exhibit 10(a)

                  [SUTHERLAND ASBILL & BRENNAN LLP LETTERHEAD]

                                 April 23, 2004

VIA EDGARLINK

Board of Directors
Farmers New World Life Insurance Company
3003 -  77th  Avenue, S.E.
Mercer Island, WA  98040

Ladies and Gentlemen:

         We hereby consent to the reference to our name under the caption "Legal
Matters" in the Statement of Additional Information for the Farmers Variable
Annuity filed as part of Post-Effective Amendment No. 6 to the registration
statement on Form N-4 for the Farmers Annuity Separate Account A (File Nos.
333-85183; 811-09547). In giving this consent, we do not admit that we are in
the category of persons whose consent is required under Section 7 of the
Securities Act of 1933.

                                        Very truly yours,

                                        Sutherland Asbill & Brennan LLP

                                        By: /s/ Mary Jane Wilson-Bilik
                                            --------------------------------
                                            Mary Jane Wilson-Bilik

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