The Coverage Lasts. The Premiums Don't.

Life Start 15 for Children

This permanent policy can be completely paid-up in 15 years. It allows you to build a solid foundation for your child while allowing for a wide range of options they can choose in the future. Starting early has its benefits!

Did you know? A limited payment life policy is ideal for a child – in addition to starting insurance coverage they will need as an adult, the policy earns cash value, which generally grows tax-deferred

Need help choosing a policy? Compare policies.

Find an Agent


Premium Duration 15 years
Coverage From $10,000 to $100,000
Issue ages 0-17

How it Works

Premiums are paid for 15 years, but the benefits last a lifetime.

  • 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 limited payment 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 Life Start 15 for your child with options and riders.

Waiver of Premium for Disability

Helps preserve the policy for your child at a time when income may be limited due to a disability. If you become totally disabled (as defined in your policy) prior to age 60 for six continuous months, this optional coverage will waive future policy premiums as they become due as long as you remain totally disabled. This rider coverage automatically terminates on the policy anniversary when you are age 60, unless disability occurs prior to that time.


Ages 0-55