LIFE
Build Cash Value and Protect

Level Premiums and Lifelong Protection — That's Whole Life Insurance from State Farm®

How it Works

Whole life insurance heps your family prepare for the unexpected. It builds tax-deferred cash value you can use for a family's loss of income, mortgage costs, or educational needs — or to leave a legacy for the next generation. State Farm Whole Life insurance policies offer level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.

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Whole Life Insurance Policies

Sample rates 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.

Lifetime protection for a lifetime of needs and opportunities.

  • Level premiums to age 100.
  • Tax-deferred growth of cash value.
  • Death benefits generally pass on income tax-free to your beneficiaries.
  • Cash values can be accessed during the insured's lifetime.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Starting at $78.13/mo* $898.00 annually $100,000 of coverage

A lifetime of benefits without a lifetime of premiums.

  • Premium payments limited to 10, 15, or 20 years.
  • Tax-deferred growth of cash value.
  • Death benefits generally pass on income tax-free to your beneficiaries.
  • Cash values can be accessed during the insured's lifetime.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Limited Pay Life Insurance

10 Years 15 Years 20 years
Starting at $144.25/mo* Starting from $112.58/month* Starting from $99.88/month*
$1,648.00 annually $1,294.00 annually $1,148.00 annually
$100,000 of coverage $100,000 in coverage $100,000 in coverage

One premium payment, a lifetime of benefits.

  • Single premium payment.
  • Tax-deferred growth of cash value.
  • Death benefits generally pass on income tax-free to your beneficiaries.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Starting at $17,239* One-Time Payment $100,000 of coverage

*  Policy is a Modified Endowment Contract

Designed to ease the financial burden of burial expenses.

  • Fixed death benefit of $10,000.
  • Premiums are guaranteed level up to age 100.
  • Tax-deferred growth of cash value.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Available for ages 50–80 (75 in NY)
$10,000 of coverage

Disclosures

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.

Policies Series Info

Not FDIC Insured

  • No Bank Guarantee
  • May Lose Value

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 - 10.17