Protect Those Who Matter Most with Term Life Insurance

How long do you need life insurance coverage? Maybe you only need it for student or vehicle loans. Or maybe you need coverage for a mortgage or business loan. Either way, we have Term Life Insurance policies that can help. Our Term Life Insurance policies help guarantee your loved ones a death benefit if you die while the policy is in force. So instead of leaving your family with debts to pay, you'll help leave them financially secure.

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Our Term Life Insurance policies offer coverage for periods of 10, 20, or 30 years. You choose the length of time, depending on how long you need the coverage.


Term Length 10, 20, 30 Years
Coverage Starting at $50,000 1
Issue Ages 18 to 70 for Term 10
18 to 60 2 for Term 20
18 to 50 for Term 30

How it Works

There has never been a better time to start than right now. There's a lot more to like about these Term Life Insurance policies:

  • Premiums are guaranteed for the full life of the policy and increase on a pre-determined schedule. With term 10 or 20, premiums increase every 10 or 20 years up to age 80. Term 30 offers level premiums for 30 years; thereafter, the policy is renewed every 10 years with pre-determined increased premiums up to age 80.
  • You can pay your premiums monthly, semi-annually or annually.
  • You can continue your coverage beyond the initial period up to age 80.
  • Tax-free death benefit — No matter how large your death benefit, it passes to your beneficiaries generally income tax-free.

Need lifelong coverage? Just convert your Term Life Insurance policy to permanent coverage — no matter your state of health.

Customize Your Policy

Add even more value to your Term Life Insurance policy by buying any of these optional riders. A State Farm® agent can help you customize a policy to meet your needs.


This is only a general description of coverage. A complete statement of coverage is found only in the policy. For more details on coverage, costs, restrictions; or to apply for coverage, contact a local State Farm agent. There are limitations and conditions regarding payment of benefits due to misrepresentations on the application or when death is the result of suicide in the first two policy years.

1 The minimum sum insured is $25,000 on Term 20 when a child aged 0 to 17 years old is covered.

Term 20 is available for children aged 0 to 17 years old.