Last Updated: 04/18/2025
SuperMoney User Recommendation Score +23
Mostly recommended13 total votes
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Highlights
Community Rating
Mostly recommended
Term Life Death Benefit Range
Starting at $50,000
Term Options
- Term Life
- Level Term
- Decreasing Term
Financial Strength Rating
A+(Verified 04/18/2025)
Number of Reviews
State Farm Life Insurance Review
State Farm life insurance is a life insurance carrier based in Bloomington, IL. The company was founded in 1922 and offers life insurance products in 50 states (and Washington, DC).
State Farm life insurance FAQ
What types of life insurance products does State Farm life insurance offer?
Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.
Here is a brief description of life insurance options State Farm life insurance offers.
- Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. State Farm life insurance offers term lengths ranging from 10 to 30 years.
- Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
- Decreasing Term Life Insurance- These types of term life insurance policies has fixed premiums but the death benefit decreases over the duration of the term life insurance policy.
- Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
- Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
- Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
- Single Premium Whole Life Insurance - These types of whole life insurance policies lets the policyholder makes one large payment that guarantees a death benefit without the need of further premiums.
What is the financial strength rating of State Farm life insurance?
The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives State Farm life insurance an A+, which is the highest available rating we give to life insurance companies.
SuperMoney's financial strength rating is primarily based on the average score from insurance rating agencies.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +23, or 3.5 on a 5-point rating scale.
+23
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
State Farm Life Insurance Community Reviews
Would you recommend State Farm Life Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
I have had State Farm life insurance for a little over a year, and have to say that I am very satisfied with the product. Having just term life insurance makes it easier to manage in that you don't have to keep up with any cash value. But the big thing that I think is important is that you can bundle up the different policies that you have and save ...Show More
Nicholas P.
Nov 16, 2022
Would Recommend
State farm offers competitive rates and forgiving on late payments. I use state farm for any insurance that I need. They have great local representatives and quality customer service.
CM
Chris M.
Oct 9, 2022
Would Recommend
I have had State Farm life insurance for a little over a year, and have to say that I am very satisfied with the product. Having just term life insurance makes it easier to manage in that you don't have to keep up with any cash value. But the big thing that I think is important is that you can bundle up the different policies that you have ...Show More
AW
Amber W.
May 7, 2022
Would Recommend
I have been with state farm for several years. I have my auto insurance with them. About 2 years ago I decided to get my life insurance policy with them. For the policy I got I believe it's worth it. Is not really costing me alot. It's great that it's added on with my auto insurance policy.
BM
Bonnie M.
Feb 24, 2022
Would Recommend
We've been with State Farm for a few years. They have always gone above and beyond to meet all of our needs. They are constantly on our side, and I never have issues paying my home insurance. I am extremely pleased with this company and grateful! Thank you so much, State Farm!
OM
Okera M.
Jul 23, 2021
Would Recommend
I love this one. Also a favorite of the "NBA". It is a fantastic life insurance company. It is definitetly one of the greatest.
KV
Katie V.
Dec 21, 2020
May or may not recommend
It's hard for me to say whether or not I'd actually recommend life insurance through them. I really like our auto and home insurance with our local State Farm agent, mostly because they're so easy to work with and my family have been loyal customers for years without crazy price increases or having to battle with them over claims (unlike my in-laws, whose experience with a certain other state company ...Show More
JJ
Jeff J.
Jan 9, 2020
Would not Recommend
bought a policy in 1998 when my son was born. It was a whole life policy. I was told my policy would be paid in full-in 2011, meaning the dividends would ay for the policy. A COMPLETE LIE! I am still paying on my policy and the dividends ONLY pay for half of the premium. Never ever buy State Farm Life insurance as they lie ...Show More
Julie B.
Jul 4, 2014
May or may not recommend
I used to have State Farm for my auto insurance but switched to another carrier years ago, because they offered better rates. I still have my life insurance with State Farm, because it's a policy I started many years ago. I have had good service in terms of getting answers about the insurance policy; rate increases etc., which so far haven't been too bad. My policies are also paying nice ...Show More
santa 2.
Feb 25, 2014
Would Recommend
I really enjoyed the customer service, I applied for life insurance becuase they recommended that I get a whole life policy to lock in a low rate. I was shocked that they wanted me to get a cheap rate. I have never had a problem with State Farm, and I know they are willing to work with me the whole way through.
The policy questions became tedious, but for life insurance ...Show More
keywester 1.
Feb 25, 2014
Would not Recommend
I am a 64 year old with no medical problems and I am insured with State Farm for auto and home. I called to get a quote on life insurance and they won't even write a policy for me. I guess I will get someone else to insure my auto and home.
Anony M.
Feb 25, 2014
Would not Recommend
I had stare farm for 28 years . My home , lakehouse and all my cars and boat. I had 2 clames on my home in a 3 year time range . A leak in my kitchen and my wife weeding ring stolen away from my house. After 28 years State Farm drops my home and tries to get me to keep my Lakehouse and cars with ...Show More
Anony M.
Feb 25, 2014
Would not Recommend
You better hope you don't have a burglary. State Farm will drop you so fast your head will spin. It does not matter that you lock, deadbolt the door, or have ADT (which State Farm gives a discount). My back door was kicked in November 2011 and most of my jewelry was stolen. The back door was fixed and I received a small reimbursement ...Show More
Showing 13 of 13 reviews
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