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负担得起的 option

术语 life insurance provides death protection for a stated time 期间或期限. Since it can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as coverage to pay off a loan, or providing extra protection during the child-raising years. 状态 Farm 人寿pp王者电子官网 Company (not licensed in MA, NY or WI) or 状态 Farm 生活 and Accident Assurance Company (licensed in NY and WI) can help.

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Comparing term to permanent insurance*

定期寿险 永久的生命
Provides coverage for a limited time period (term), if premiums 支付. Provides lifetime coverage, if premiums 支付.
Provides a death benefit, but typically no cash value. Cash value accumulates over time and creates an asset which may be used during your lifetime. 1 脚注
Initially, less expensive form of life insurance. 保费水平.
May be renewable or convertible. Some types of permanent insurance offer flexible premium payments and level or increasing death benefit options.

*You can convert any 状态 Farm term life insurance coverage to permanent coverage, regardless of your health status. 转换 options will vary by state and with some term policy types by age.

选择项 生活 insurance

With our 选择项 生活 insurance, you can choose between 10, 20, 或者30年 of coverage and a guaranteed benefit. 你选择 length of time depending on how long you need it. 你也可以 keep your policy in force, after the initial term, at an increased cost up to age 95. 2 脚注

Explore 选择项 生活 insurance




$250,000 of coverage




$250,000 of coverage




$250,000 of coverage

**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.

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If you are interested in additional life products, please contact a 状态 Farm agent.

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返回的 Premium 生活 insurance

If your policy’s death benefit is not paid within the initial 20- or 30-year term, you’ll get your money back at the end of the term.3 脚注 You also can keep your policy in place after the initial term2 脚注 or borrow against the cash value4 脚注 政策的.

Examine 返回的 优质项 生活 insurance

即时回答 术语 pp王者电子官网®

即时回答 术语 pp王者电子官网 provides $50,000 of death benefit protection until age 50 or a maximum 10年, whichever is longer. This coverage is designed to provide a base level of life insurance protection at an 负担得起的 price. With this policy, you have the opportunity to apply for coverage, receive an underwriting decision, and if approved — purchase the policy on the same day at an agent's office.

Learn about 即时回答 术语 pp王者电子官网

Comparing 定期寿险 Choices

产品 优势 保费
Available for 10, 20 或者30年. Renewable to age 95.
Guaranteed to stay the same for the initial term. 保费 increase with each subsequent renewal.
保费 returned if insured outlives initial term. 可用20 或者30年. Renewable to age 95.
Guaranteed to stay the same for the initial term. 保费 increase with each subsequent renewal.
Ideal for protecting goals like paying off a loan or covering 最终的费用. In-office approval in minutes. 没有测试 要求.5 脚注
Budget-friendly and can be paid monthly or annually.

1 永久 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 政策的. 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. T在这里 may be tax consequences associated with policy loans. Neither 状态 Farm nor its agents provide tax or legal advice.

2 Your premiums will increase annually to age 95, but will never exceed the maximum premium stated in the policy.

3 Assumes death benefit has not been paid during initial policy term. The 返回的 Premium benefit on the base policy is not taxable. Any Waiver of Premium for 残疾 premiums returned as part of the 返回的 Premium benefit may be taxable.

4 Unpaid loans and withdrawals will reduce the 返回的 Premium and guaranteed death benefit and policy cash value. Loans also accrue interest.

5 即时回答s offers $50,000 term life coverage for up to age 50, or 10年 (whichever is longer). In-office approval available in minutes with no physical or medical tests 要求. Issuance 政策的 may depend upon the answers to the health questions in the application, the truthfulness t在这里of and the evidence of insurability.


This is a general description of coverage. A complete statement of coverage is found only in the policy.

For more details on coverage, 成本, 限制, and renewability, or to apply for coverage, contact your local 状态 Farm agent.

pp王者电子官网 policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.

政策系列 Info

Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.

状态 Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI)
状态 Farm 生活 and Accident Assurance Company (Licensed in NY and WI)

Each insurer is financially responsible for its own products.