Life
Build an Estate and Protect

Level Premiums and Lifelong Protection - That's Permanent Life Insurance

How it Works

Permanent life insurance helps your family prepare for the unexpected. Depending on your needs, the product selected can build tax-deferred cash value you can use for a family's loss of income, mortgage costs, or educational needs - or to leave a legacy for the next generation. Our permanent life insurance policies offer level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. We offer permanent life policies that can be paid with premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value (if applicable).

Find an Agent

Life Start 15 for Children

A lifetime of benefits without a lifetime of premiums.

Sample rates are for a 3-year-old male in good health. Contact a State Farm® agent to receive personal pricing for your child.

Features

  • Premium payments limited to 15 years
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to the beneficiaries
  • Cash values can be accessed during the insured's lifetime

Life Start 15 for Children

Term to 100

Affordable Lifetime protection

Features

  • Level premiums to age 100
  • Death benefits that generally pass on tax-free to your beneficiaries

Term to 100

Guaranteed Whole Life

Lifetime protection for lifetime of needs and opportunities.

Sample rates are for a 25-year-old female in good health. Contact a State Farm agent to get a quote.

Need help choosing a policy?  Compare policies

Features

  • Level premiums to age 100
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to you beneficiaries
  • Cash values can be accessed during your lifetime

Guaranteed Whole Life

Contact a State Farm Agent to get a quote

Life Paid-up at 65

Provides a paid-up insurance policy upon retirement at age 65 (minimum of 15 years of payment)

Features

  • Cash Values can be accessed during your lifetime.

Learn more about Life Paid-up at 65

Life Paid-up at 65

Contact a State Farm Agent to get a quote

20 Pay Life

A lifetime of benefits without a lifetime of premiums.

Features

  • Premium payments limited to 20 years
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries
  • Cash values can be accessed during your lifetime

Learn more about 20 Pay Life

20 Pay Life

Contact a State Farm Agent to get a quote

10 Pay Life

A lifetime of benefits without a lifetime of premiums.

Features

  • Premium payments limited to 10 years
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries
  • Cash values can be accessed during your lifetime

Learn more about 10 Pay Life

10 Pay Life

Final Expense - Golden Edge

Designed to ease the financial burden on your loved ones for your final expenses.

Features

  • Death benefit from $2,500 to $25,000
  • Premiums are guaranteed level up to age 100
  • Tax-deferred growth of cash value

Learn more about Final Expenses

Final Expense - Golden Edge

Contact a State Farm Agent to get a quote

Life with Long-term Care Advance

Lifetime protection in case of death or loss of independence.

Sample rates are for a 25-year-old female in good health.  Contact a State Farm agent to receive personal pricing.

Need help choosing a policy?  Compare policies

Lifetime protection in case of death or loss of independence.

Features

  • Level premiums for a limited period of time
  • If you are 65 or older and require care on a daily basis, you receive a tax-free, interest-free advance of 1% of your life insurance for up to 100 months subject to a 3-month waiting period
  • At death, the balance of your insurance is paid to your beneficiaries with a minimum of 25% of your initial life insurance amount
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries

Life Paid-up at 65 with Long-term Care Advance

Provides a paid-up insurance policy upon retirement at age 65 (Subject to a minimum of 15 years of premium payments)

Features

  • Starting at age 65, a tax-free advance of 1% of the life insurance benefit up to 100 months is paid in case of a loss of independence
  • Cash values can be accessed during your lifetime
  • At death, the balance of the insurance is paid to your beneficiaries with a minimum of 25% of the initial life insurance amount

Life Paid-up at 65 with Long-term Care Advance

20 Pay Life with Long-term Care Advance

A lifetime of benefits without a lifetime of premiums.

Features

  • Starting at age 65, a tax-free advance of 1% of the life insurance benefit up to 100 months is paid in case of a loss of independence
  • Cash values can be accessed during your lifetime
  • At death, the balance of the insurance is paid to your beneficiaries with a minimum of 25% of the initial life insurance amount

20 Pay Life with Long-term Care Advance

Disclosures

This is a general description of coverage. A complete statement of coverage is found only in the policy. For more details on coverage costs, restrictions, and renewability or to apply for coverage, contact your local State Farm agent.

State Farm agents do not provide tax,legal, or investment advice. Please consult your tax, legal, or investment adviser regarding your specific circumstances.

Coverage is guaranteed for the insured's lifetime, provided premiums are paid as required.