Living Benefits

Life Insurance — Living Benefits

Life Insurance Benefits You Can Use In Your Lifetime

Permanent life insurance policies offer financial protection in the event of your death. But did you know that they can also help you build cash value you can use in your lifetime*? In fact, the cash value you build can grow into a sizable asset that you can access by loans and withdrawals.

Life Insurance Benefits You Can Use in Your Lifetime

With these living benefits, you could:

  • Help pay for your children's education.
  • Add to your retirement income.
  • Provide funds for an emergency expense that may arise.
  • Help pay for long-term-care expenses with a Flexible Care Benefit Rider on Universal Life.

To learn more about permanent life insurance, such as Whole Life and Universal Life, and the living benefits they can offer contact your local State Farm® agent.

Health — Living Benefits

Many State Farm® agents also offer Living Benefits that protect against medical costs, lost income, and the need for ongoing care.


*Unpaid loans and withdrawals will reduce the death benefit and policy cash value. Loans also accrue interest.

State Farm agents do not provide tax, legal, or investment advice. Please seek professional tax, legal, or investment advisor regarding your situation.

**Many State Farm agents offer these products through a marketing agreement between SF Insurance Placement Corporation of Canada and RBC Life Insurance Company. These products are marketed under the brand RBC Insurance® and underwritten and issued by RBC Life Insurance Company, which has sole financial responsibility for these products. RBC Life Insurance Company is not an affiliate of State Farm. RBC Insurance is a registered trademark of Royal Bank of Canada. Used under Licence.