Life Insurance

State Farm Life Insurance

State Farm offers the life insurance policies and tools you need
to help provide for the ones you love - now and in the years to come.

Life Planning

Want to learn more about State Farm life insurance? Our Life Planning tools and information
will help you get up to speed on everything from the basics to advanced planning options.
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Getting Started

Beyond The Basics

Servicing Your Policy

Find an Agent

Contact a local Agent for information or advice.




Coverages At A Glance

Whether you're looking for the affordability of term insurance, the lifelong protection and cash value
of permanent insurance, or a combination of both, we have options to fit your needs and budget.

Term Life Whole Life Universal Life
Advantages Simple, affordable coverage for a period of time. Lifetime coverage with access to cash value. Flexible coverage & flexible premiums.
What It's Used For Appropriate for short-term coverage needs. Life insurance for life-long needs. Permanent protection and flexibility.
Guaranteed Death Benefit

Yes

Provided premiums are paid as required.

Yes

Guaranteed for the life of the policy provided premiums are paid as required.

Cash Value

Available only for Return of Premium Term

Yes

Cash value growth is tax- deferred.

Yes

Cash value growth is tax-deferred.
Lifetime Level Premiums

Yes

Guaranteed for the life of the policy.
Lifetime Coverage1

Yes

Guaranteed for the insured's lifetime, provided premiums are paid as required.

Yes

It is possible coverage will expire when either no premiums are paid following the initial minimum premium or subsequent premiums are insufficient to continue coverage.1
Flexible Premiums1

Yes

Available for the insured's lifetime.1
Dividends2

Yes

Eligible to earn dividends, however, dividends are not guaranteed.2

Available Policies

Term Life Policies

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Whole Life Policies

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Universal Life Policies

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1 With Universal Life it is possible coverage will expire when either no premiums are paid following the initial minimum premium or subsequent premiums are insufficient to continue coverage.

2 Whole Life policies are eligible to earn dividends, however, dividends are not guaranteed.

This is a general description of coverage. A complete statement of coverage is found only in the policy.
For more details on coverage, costs, restrictions, and renewability; or to apply for coverage, contact your local State Farm agent.

Insurance policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.

View Additional Disclosures

Not FDIC Insured

  • No Bank Guarantee
  • May Lose Value

Issued by:

  • State Farm Life Insurance Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • Bloomington, IL

IL-2.5