Earn Your Liberty — District 46 Standings

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

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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. Hurdle pips: green met • amber in progress or backup path • red missed • gray awaiting data. Hover any pip for the detail. Good standing is required at every tier and is handled off-board. Points get you nothing if you don’t clear your gate.

#	Agency	Tier	Points	Voyage to the Boat	Gate NB	Life APE	Hurdles	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.