Save Toward Retirement with a Deferred Life Annuity

Talk to Us About the Future Wealth Builder™

A long-term investment vehicle, the Future Wealth Builder* is designed for retirement purposes. It enables you to build savings over time and then provides a reliable source of retirement income that you cannot outlive.

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*This product is currently not available.

A Flexible Premium Deferred Life Annuity

The Future Wealth Builder Annuity can help you save even more in addition to your regular contributions to a 401(k) and IRA accounts.

  • "Flexible premium" means you can pay premiums at any time.
  • "Deferred" means you start receiving income more than 12 months after State Farm® receives your first payment.

Why Buy a Flexible Premium Deferred Life Annuity

  • Premiums grow at a fixed interest rate.
  • Your money will earn an interest rate guaranteed for at least one year.
  • Other than the initial minimum payment, you choose when and how much to pay.
  • You can choose when you begin receiving monthly payments.
  • There are no up-front sales charges or state premium tax charges. Interest earned is generally tax-deferred.


Once the minimum initial premium requirement is met, you can choose the premium amount you pay ($100 or more) and can make payments at any time. Payment reminders are available. An annual policy fee may apply for balances under $10,000. Contact your State Farm agent for information regarding the availability of Future Wealth Builder and for policy details on minimum premium requirements, coverage, costs, and restrictions.

Withdrawals and Charges

You may access your accumulation value at any time. The minimum withdrawal amount is $500. Up to four withdrawals per policy year are allowed. State Farm offers a systematic withdrawal program that allows the Future Wealth Builder owner to receive monthly, quarterly, semiannual, or annual payments from their Deferred Annuity. A policy owner may participate in the systematic withdrawal program at any time before the final Annuity Date. The minimum required to establish a systematic withdrawal program is $100. Surrender charges may apply (see below). Please see your tax advisor for more information.

There are no up-front sales charges or state premium tax charges. All of your premiums earn interest from the date funds are received by State Farm. An annual policy fee may apply for balances under $10,000. The Future Wealth Builder Annuity does include surrender charges, which are explained below.


This is a general description of coverage. A complete statement of coverage is found only in the policy.

Contact your State Farm agent for details on coverage, costs, and restrictions.

State Farm agents do not provide tax, legal, or investment advice. Please consult your tax, legal, or investment advisor regarding your specific circumstances.

Guarantees are based on the claims-paying ability of the issuing State Farm Life Insurance Company.

Withdrawals made prior to age 59½ are subject to a 10% federal income tax penalty.

In a tax-qualified retirement plan, federal-income-tax deferral is provided by the tax-qualified retirement plan. No additional tax deferral is provided by an annuity. You should contact your attorney or tax advisor for more complete information.

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

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