Contest is live.
First official standings post after the July folio closes — early August. Every agency below starts at the dock. All 37 boats, one wake-up call.
District Points
—
across all agencies
On the Boat
—
at tier + gate pace
Gates Cleared
—
of 37 growth gates
Life Floors Met
—
$6,000 qualifying APE
The Leaderboard
Ranked by % of your tier target, then total points — the fairest race when the boats are different sizes. The bar is your voyage: dock on the left, your tier’s boat on the right. Points get you nothing if you don’t clear your gate.
| Rank | Agency | Tier | Points | Voyage to the Boat | Gate (PL NB) | Life APE | Status |
|---|
The Gate Nobody Sails Around
Growth Gate — your must-beat number No points bypass this gate
Beat your own Jul–Dec 2025 PL NB policy count (universal floor: 100). Grow past yourself or stay on the dock.
How Points Work
Life APE
3 pts / $1K
Qualifying non-variable FNWL only. Riders & single-premium don’t count.
PL & Specialty
1 pt / $1K
NB premium. Kraft Lake and Flood never count.
Business Insurance
0.5 pt / $1K
Farmers BI + Workers’ Comp NB premium.
Other hurdles for Tier 1: good standing (never waivable) • Prime qualified or on pace at close • $6,000 life APE floor • survival rate — on trajectory, or +1.0 pt from your July report.
Liberty isn’t given. It’s earned.
All results from official Farmers reporting per the Earn Your Liberty Official Rules. Zero exceptions — no rounding, no partial credit.