Living Benefits

Life insurance benefits you can use in your lifetime.

Permanent life insurance policies offer financial protection in the event of your death. But did you know that they can also help you build cash value you can use in your lifetime?1 In fact, the cash value you build can grow into a sizeable asset that you can access by loans and withdrawals.

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With these living benefits, you could:

  • Help pay for your children's education.
  • Add to your retirement income.
  • Provide funds for an emergency expense that may arise.

To learn more about permanent life insurance, such as Whole Life and Universal Life, and the living benefits they can offer contact your local State Farm® agent.


1 Unpaid loans and withdrawals will reduce the death benefit and policy cash value. Loans also accrue interest. Permanent life insurance develops cash value that can be borrowed. Policy loans accrue interest and unpaid policy loans and interest will reduce the death benefit and cash value of the policy. The amount of cash value available will generally depend on the type of permanent policy purchased, the amount of coverage purchased, paid premiums, the length of time the policy has been in force and any outstanding policy loans. There may be tax consequences associated with policy loans. State Farm agents do not provide tax or legal advice. Please consult your tax or legal advisor regarding your specific circumstance.

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

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 - 530.1