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 life insurance 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 Universal Life
Advantages Simple, affordable coverage for a set period of time Lifetime coverage with access to cash value depending on the product selected Flexible coverages with flexible premiums that include an investment component
What It's Used For Short-term protection Permanent protection Flexible, permanent protection and investment opportunities
Guaranteed Death Benefit Yes

Provided premiums are paid as required
Yes

Guaranteed for the life of the policy provided premiums are paid as required
Yes 

Provided premiums are paid as required 
Cash Value No
Yes

Cash value growth is tax-deferred (if applicable)
Yes

Cash value growth is tax-deferred
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
Varies

Depends on the coverage selected.
Lifetime Coverage1 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
Yes

Provided premiums are paid as required
Flexible Premiums1 No No

The premium is fixed for the life of the policy
Yes

Available for the insured's lifetime
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. Some coverages can be converted
Available
Term Life Policies:

 
 
 
 
Permanent Life Policies:

 
 
 
 
 
 
Universal Life Policies:

Disclosures

1 With Universal Life, coverage will remain in force as long as premiums are paid as required.