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Family life insurance — secure your family's future

Family Life insurance from State Farm Life Insurance Company (Not licensed in MA, NY or WI) and State Farm Life and Accident Assurance Company (Licensed in NY and WI) could help secure your family's financial future if you aren't there. This is family insurance made simple. Instead of dealing with separate policies, you could get life coverage for your immediate family — for one rate — under a single policy.

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If you are interested in additional life products, please contact a State Farm® agent.

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Life just got even better

Life insurance is usually thought of as something for the spouse who is the breadwinner. If that person dies, then the life insurance benefit would help provide for the family. The mortgage may still get paid; the kids may still go to college.

Life coverage is no less important for the spouse who stays at home, works part time, or is a secondary breadwinner. The death benefit, payable if the insured stay at home spouse dies, could help pay for childcare, housekeeping, meals, and other services your family can't do without.

Life insurance is also important for the kids. Getting them covered at a young age may help ensure they have the coverage in the future. They could convert the coverage as adults, even if they later develop health problems that would otherwise make them uninsurable.1

With family life insurance whatever the future brings, your loved ones' financial security may be protected.

Basic facts: State Farm family life insurance

Talk to your agent to see which policy makes sense for you. Once you or your spouse is covered by either a State Farm Select Term or Whole Life insurance policy, just add one (or both) of these riders to help protect the rest of your family.

  • Select Term Rider — Provides life insurance to age 95 with a premium that will remain level for 10, 20,or 30 years depending on the coverage you choose. The rider is available on both the insured and an additional insured and may be converted to a permanent policy if lifetime coverage is needed.1 Minimum coverage is $100,000.
  • Children's Term Rider — Add this to cover your children. Just one rider could provide up to $20,000 in life insurance coverage for each child in your family, including children yet to be born. So as your family grows, new children are covered once they reach 15 days old. Term coverage will terminate when the child reaches age 25 when it could be converted to permanent coverage.1

Big coverage little cost

Here's an example of what Family Life Insurance would cost a family of three, assuming $250,000 in coverage for each parent and $10,000 for the child.

Family life insurance

Household Member Policy/Rider Type Annual Premium
35-year old male2 Select Term-20, Best Rate $232.50
30-year old female2 Select Term-20 Rider, Best Rate $115.00
Child3 Children's Term Rider $50.00
  Total Annual Premium $397.50

We're here for life

Family insurance has never been so affordable. And it's insurance coverage you may count on because State Farm stands behind it. State Farm began offering life insurance in 1929, and we've always had the financial resources to deliver on our policy promises. Getting in touch is easy. Walk in, mail in, call in, click in. Contact a State Farm agent today or visit®, and see how we could help you and your family plan for the future.


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1 Conversion options vary by state. Please talk with a State Farm agent.

2 Premiums are based on our Elite Preferred underwriting class and assume both insureds have not used tobacco or other nicotine products for the past 36 months.

3 Must be under 18 years and eligible for insurance at the time of application.

Policy Series Info

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

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

Each State Farm insurer has sole financial responsibility for its own products.