Term Life Protection with an Advance Critical Illness Benefit

Enhanced Term 10 is guaranteed term life insurance bundled with critical illness protection that provides comprehensive coverage during important periods in your life, such as when your children are young or while you are paying off your mortgage.

Find an Agent

Enhanced Term 10

Need help choosing a policy? Compare policies.


How it Works

At the time of application you select an "Advance Benefit" (between 25 to 100% of the total policy amount) that will be paid in the event that you are diagnosed with a covered critical illness. If 100% is paid, the policy terminates. If less than 100% is paid, the life policy continues at the reduced face amount and premiums are adjusted accordingly.

  • Premiums are fully guaranteed and increase every 10 years.
  • You can pay premiums monthly, semi-annually or annually.
  • No matter how large the death benefit, it passes to your beneficiaries generally income tax-free.
  • In case of critical illness, the Advance Benefit is paid to you tax-free.

And typically, the sooner you purchase your Enhanced Term 10 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 Enhanced Term 10 insurance policy with options and riders.

Angioplasty Rider

Pays 10% of the "advance benefit" upon first occurrence of the insured's undergoing Coronary Angioplasty. (Limited to one event only). After paying a claim, coverage is reduced by amount of the claim, and the premium is adjusted accordingly.