Level Premiums and Guaranteed Cash Surrender Values

Guaranteed Whole Life

With Guaranteed Whole life insurance, you'll have permanent coverage that is more cost-effective than term insurance over the long run. It will provide for your family when you're gone and build tax-deferred cash value you can use during your lifetime. Cash value can be used for a wide range of needs, such as income replacement in case of a sudden job loss, your mortgage payments or your children's university tuition – or to leave a legacy for the next generation.

It allows you to stay insured, no matter what happens to your health. The premium will stay fixed for your lifetime, allowing you to budget more easily.

Need help choosing a policy? Compare policies

Find an Agent


Premium Duration Lifetime
Coverage Starting at $10,000 if you are 45 and older, otherwise it starts at $25,000
Issue Ages 0 - 80

How it works

Premiums are payable for life and provide lifelong coverage.

  • You can pay premiums monthly, semi-annually, or annually.
  • Guaranteed cash value grows tax-deferred. Cash values can be accessed during your lifetime.

  • No matter how large the death benefit, it passes to your beneficiaries generally income tax-free.

And typically, the sooner you purchase your Guaranteed Whole life policy, the lower your premiums will be. Talk to a State Farm® agent for details on costs, coverages and restrictions.

Customize Your Policy

Add value to the Guaranteed Whole Life insurance policy with options and riders.