Protection and Cash Back — That's a Return of Premium Term Life Insurance Policy
You want to help protect your loved ones from financial hardship if you can't be there for them. That's what life insurance is all about. But instead of life-long life insurance coverage, you may only need to protect your family from long-term expenses such as the mortgage, your children's education, or a home equity loan.
In that case, State Farm® Return of Premium Term Life insurance might be just what you need. It offers a level premium payment term of 20 or 30 years, whichever you choose. And if you outlive that level premium payment period, you'll get all the policy premiums you've paid back at the end of the term.1 A guarantee like that makes it easier to give your loved ones the financial protection they need.
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|Term Length||20 or 30 Years|
|Coverage Amounts||Starts at $100,000|
20 — 60 for Return of Premium Term Life
20 20 — 55 for Return of Premium Term Life 20, Tobacco & Preferred Tobacco
20 — 45 for Return of Premium Term Life 30
Sample rates below are for a 25-year-old female in excellent health in Illinois. Get a quote to see personal pricing. Need help choosing a policy? Compare policies.
*Available up to age 55 for Tobacco and Preferred Tobacco Classes
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1 The Return of Premium benefit on the base policy is not taxable. Any Waiver of Premium for Disability Rider premiums returned as part of the Return of Premium benefit may be taxable.
2 Unpaid loans and withdrawals will reduce the guaranteed death benefit, policy cash value, and any Return of Premium benefits. Loans also accrue interest.
3 Insurance policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.
This is only a general description of coverage. A complete statement of coverage is found only in the policy. For more details on coverage, costs, and restrictions, or to apply for coverage, contact a local State Farm agent.
There are limitations and conditions regarding payment of benefits due to misrepresentations on the application or when death is the result of suicide in the first two policy years.
Not FDIC Insured
- No Bank Guarantee
- May Lose Value
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)