Family Life Insurance — Secure Your Family's Future

Family Life insurance can help secure your family's financial future if you aren't there. This is family insurance made simple. Instead of dealing with separate policies, you can get life coverage for your immediate family — for one rate — under a single policy. It's the right life insurance coverage for your needs.

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Life Just Got Even Better

Life insurance is usually thought of as something for the spouse who is the breadwinner. If that person dies, then the life insurance benefit would help provide for the family. The mortgage may still get paid; the kids may still get a post-secondary education.

Life coverage is no less important for the spouse who stays at home, works part-time, or is a secondary breadwinner. A life insurance benefit may help pay for childcare, housekeeping, meals and other services your family can't do without.

Life insurance is also important for the kids. Getting them covered at a young age may help ensure they have the coverage in the future. They can convert the coverage as adults, even if they later develop health problems that would otherwise make them uninsurable.

With Family Life Insurance, whatever the future brings, your loved ones' financial security can be protected.

Basic Facts: Family Life Insurance Solutions

Talk to your agent to see which policy makes sense for you. Once you or your spouse is covered by either a term or permanent life insurance policy, just add one (or both) of these riders to help protect the rest of your family.

  • Term Rider - Provides life insurance up to age 85 for Life Term 10 and Life Term 20 with a premium that will remain level for 10 or 20 years depending on the coverage you choose. The rider is available on both the insured and an additional insured and can be converted to a permanent policy if lifetime coverage is needed. Minimum coverage is $25,000.
  • Children's Life Protection - Add this to cover your children1. Just one rider can provide up to $20,000 in life insurance coverage for each child in your family, including children yet to be born. You can convert this rider at expiration of coverage to any available policy to provide lifetime coverage for each child.1

Big Coverage, Little Cost

Here's an example of what Family Life Insurance would cost a family of three, assuming $250,000 in coverage for each parent and $10,000 for the child.

Household Member Policy/Rider Type Annual Premium
35-year old male* Life Term-20 $252.50
30-year old female* Life Term-20 $157.50
Child** Children's Life Protection $60
Total Annual Premium $470.00

We're Here for Life

Family insurance has never been so affordable, and it's insurance coverage you can count on because we've always had the financial resources to deliver on our policy promises. Getting in touch is easy – walk in, mail in, call in. Contact a State Farm agent today to see how we can help you and your family plan for the future.


*Premiums are based on our Preferred Risk class and assume both insureds have not used tobacco or other nicotine products for the past 10 years.

**Must be under 18 years.

1Cannot be added to Final Expense - Whole Life Guaranteed to 100 (Golden Edge) policies.