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Although the Plan is designed for long-term savings, you can borrow from your account. Following are the loan provisions:

  • Minimum amount: $1,000
  • Maximum amount: 50% of your account balance up to $50,000 (or less if you have had an outstanding Plan loan in the past 12 months)
  • Maximum outstanding loans: two
  • Repayment: up to 5 years for a general purpose loan; up to 15 years for a loan taken to purchase a principal residence
  • Application fee: $40 (per loan issuance)
  • Maintenance fee: $25 (annual)

Note: You are only allowed to have two loans outstanding on your 401(k) Savings Plan account. If you had a loan in the Farmers Profit Sharing Plan, Bristol West 401(k) Savings Plan, or the Zurich Savings Plan, you can take only one loan from the 401(k) Savings Plan until your existing loan is paid.

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Ready to enroll in your 401(k) Savings Plan?

You will need your:

  • Social Security number
  • Zip code
  • Birth date
  • Plan number (093492)

Already enrolled?

For assistance
managing your account,
contact Vanguard.

Need assistance?

To request a loan, call (800) 523-1188 (hearing-impaired: (800) 749-7273) to speak with a Vanguard associate.

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