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Which policies can I change online?
If you are considering making a beneficiary change, log in to access the polices listed below.
Frequently asked questions about life insurance changes
While it looks like quite a few steps, each is fairly simple.
- Log in with you user name and password
- Locate the policy you want to make a beneficiary change
- Click on the policy
- Locate the Beneficiaries card
- Click “View or edit your beneficiaries”
- Agree to the Terms and Conditions
- Select which beneficiary you want to start with (primary or secondary) if applicable
- Edit, add, or remove beneficiaries
- Adjust allocations, if needed
- Review changes on life beneficiary form
- Sign through Docusign
- Submit changes
For online changes, a relationship type is required when adding an individual. Other types of beneficiaries that are NOT available online but are available via an Agent are Trusts, Organizations, Children Class, and UTMA/UGMA. Children class can be removed or edited online, but not added. Trust, organizations and UTMA/UGMA can be viewed online but changes cannot be made.
It can be as simple as who’s in line.
A primary beneficiary receives the death benefit money when the insured dies. A primary beneficiary is required.
A secondary beneficiary, also known as the successor beneficiary, receives the death benefit money if there are no living primary beneficiaries when the insured dies. A secondary beneficiary is optional.
Please note that you cannot have the same beneficiary as a primary and a successor. Also, if an estate is listed as the primary, a secondary is not allowed.
In a nutshell, term life is for temporary coverage while permanent Life is for lifetime coverage.
You can purchase a relatively large amount of term life insurance for a low initial premium for needs like:
- Home mortgage
- Outstanding debt
- Educational expenses
- Auto loan
Meanwhile permanent life insurance offers a level premium for a coverage amount you choose. It provides lifetime coverage, provided premiums are paid and the coverage remains in force, and builds cash value. It's best for lifelong needs like:
- Loved one's financial needs
- Final expenses
- Estate planning
- Contributions to charity
- Business legacy
- Access to accumulated cash value
Each State Farm insurer has sole financial responsibility for its own products.
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)