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Guaranteed Issue Final Expense insurance helps those you love

Losing a loved one hurts. And with the rising cost of funeral services, it can also bring financial strain to those left behind. Final expense insurance can help ease that cost and stress.

Guaranteed Issue Final Expense insurance from State Farm Life Insurance Company is currently available in all states except New York. In addition, State Farm Life Insurance Company does not actively market new business in Massachusetts or Rhode Island at this time.

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If interested in discussing your life insurance needs, please contact a State Farm® agent.

What is final expense life insurance?

Our Guaranteed Issue Final Expense Life insurance, or guaranteed acceptance life insurance, is a whole life insurance policy designed to help with your final expenses, including funeral and burial costs, medical bills, cremation or other debt.

What are the benefits of Guaranteed Issue Final Expense Life insurance?

If you don’t have a whole life insurance policy for your final expenses, this policy provides the following benefits, even for seniors:

  • You won't be denied coverage
  • No medical questions
  • No medical exams
  • Simple quote and application process
  • Competitive rates to fit any budget1
  • Premiums will never increase
  • Instant coverage
A grandmother, mother, and daughter sitting on a front porch.

How does final expense insurance work?

You choose coverage amounts from $10,000 to $15,0002 and the policy's death benefit is paid directly to your named beneficiaries.

If death due to natural causes occurs in the first two policy years, the death proceeds will be the return of premium and interest on the premium paid as specified in the policy contract.3

Why pick State Farm for final expense insurance?

We’ll be there when you need us

As you consider helping your loved ones through a tough transitional time, it's important to choose a policy you know that you can count on.

Your policy is backed by our financial strength. Since 1929, we've helped millions of customers protect their assets and provide a more-secure future for their families.

Review our financial strength ratings

Contact a local State Farm agent

Talk to a State Farm agent at 855-980-8053855-980-8053.

For a quote, call 844-242-1899844-242-1899

Want to know more about life insurance?

1 Individual premiums and budgets will vary by customer. All applicants subject to underwriting requirements.

2 According to 2021 data from the National Funeral Directors Association, the national median cost of a funeral with a viewing and burial in 2021 was approximately $7,848 while the median cost of a funeral with cremation was approximately $6,971.

3 If death is the result of suicide in the first two policy years, (one year in North Dakota) the death benefit will be the return of premiums paid without interest. Interest will be paid from the date of death to date of payment. If death is due to natural causes, death proceeds will be the return of premium, and interest on the premium paid will be at an annual effective rate specified in the policy contract.



This policy does not guarantee that its proceeds will be sufficient to pay for any particular service or merchandise at the time of need or that services or merchandise will be provided by any particular provider.

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, 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.

Dividends are a return of premium and are based on the actual mortality, expense, and investment experience of the Company. Dividends are not guaranteed.

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, 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 producers do not provide tax or legal advice.

Policy Series Info

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

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