Universal Life Insurance premiums are paid into your policy's account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as a charge for insurance protection, are then made from the account value. You have the ability to take loans or make withdrawals from the account value for your personal needs. Loans accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various deductions each month*.
Or call 844-242-1899 for a quote.
Items needed for a quote
A Universal Life Insurance policy is a flexible way to help protect your loved ones and build tax-deferred cash value.
State Farm® offers Flexible Care Benefit Rider in select states. Learn more about Flexible Care Benefit Rider
Select policy details to view rates
Survivorship Universal Life Insurance covers two people. The death benefit is paid when the last person insured under the policy dies. Survivorship Universal Life is an efficient way to assist with a variety of planning needs.
* With Universal Life Insurance it is possible that coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.
Joint Universal Life Insurance covers two people. The death benefit is paid upon the first death of the insureds. Joint Universal Life offers an economical way of providing permanent coverage for two individuals under one policy.
Get a Rate Quote
For over 80 years we've delivered on our promise to millions of State Farm customers.
Learn more about our financial ratings
Find the right coverage for you.
1Increases in coverage are subject to underwriting and policy limits. Decreases in coverage are subject to policy limits.
2Only four withdrawals are allowed per year ($500 minimum per withdrawal). Surrenders may be subject to a surrender charge. Unpaid loans and withdrawals will reduce the death benefit and the policy's cash value. Withdrawals also will reduce the policy account value/cash surrender value. Loans accrue interest.
This is a general description of coverage. A complete statement of coverage is found only in the policy.
For more details on coverage, costs, restrictions, and renewability; or to apply for coverage, contact your local
State Farm agent.
Insurance policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.
Policy Series Info
Not FDIC Insured
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)