Coverage and Rates to Meet Your Needs – Get a Life Insurance Quote

We can help you find coverage that's right for you and your loved ones, including permanent life insurance and living benefits that you can use in your lifetime. Our life planning videos and calculator can help you understand your options and figure out how much and what kind is right for you before getting your life insurance quote.

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Learn About Life Insurance

What is life insurance? What are living benefits? Watch and learn all the ways life insurance from us can help you protect what matters most–now and in the years to come.

How Much Coverage Do You Need?

There's so much to protect around you, and most importantly your loved ones. It's easy to calculate your life insurance needs with State Farm Life Illustrated® calculator.

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Coverages at a Glance

Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. Decide which coverage is right for you before getting a life insurance quote.

Term Life Permanent Life
Advantages Simple, affordable coverage for a set period of time Lifetime coverage with access to cash value depending on the product selected
What It's Used For Short-term protection Permanent protection
Guaranteed Death Benefit Yes

Provided premiums are paid as required
Yes

Guaranteed for the life of the policy provided premiums are paid as required
Cash Value No Yes

Cash value growth is tax-deferred (if applicable)
Lifetime Level Premiums No. Premiums are not level for the life of the policy; however, they are level by term.  Term 30 can be renewed for additional 10-year terms. Yes

Guaranteed for the life of the policy
Lifetime Coverage 1 No

Coverage is guaranteed for a set period of time, provided premiums are paid as required
Yes

Guaranteed for the insured's lifetime, provided premiums are paid as required
Flexible Premiums 1 No No

The premium is fixed for the life of the policy
Conversion Option Yes

Can be converted into permanent or universal life insurance with no medical exam required
Since conversion refers to the change from a term to a permanent policy, it does not apply.
Available Term Life Policies:
10 Year Term
Mortgage Life
Term 10, 20, 30
Enhanced Term 10 (a combination of life and critical illness insurance.)
Learn more about Term Life
Permanent Life Policies:
Life Start 15 (for children)
Term to 100
Guaranteed Whole Life
Life Paid-Up at Age 65
20 Pay Life
10 Pay Life
Final Expense (for 55+)
Life with Long-term Care Advance
Learn more about Permanent Life