State Farm life insurance
Select Term and Instant Answer Term have different coverage and underwriting rules.
Checked facts and conditions
Policy categories
State Farm lists term, whole and universal life. Its term page names State Farm Life Insurance Company and State Farm Life and Accident Assurance Company, with different state licensing.
Source: State Farm life insurance overview ↓Select Term
Select Term offers 10-, 20- or 30-year initial terms. Premiums increase on renewal; the provider describes renewal up to age 95, subject to policy terms.
Source: State Farm term comparison and underwriting footnotes ↓Instant Answer Term
This separate product advertises $50,000 of coverage until age 50 or for 10 years, whichever is longer. No physical or medical tests are required, but issuance depends on health answers and evidence of insurability. Same-day purchase is possible only if approved.
Source: State Farm term comparison and underwriting footnotes ↓Questions for your actual offer
- Which term product is this quote for?
- What are the renewal premiums after the initial term?
- What health questions or other evidence are required for my product?
- Which issuer and state-specific policy terms apply?
This profile does not assign a score or establish a personal premium, approval, claim outcome or complete list of policy exclusions. Review the specific contract and state disclosures.
Provider sources
- State Farm life insurance overview ↗
Checked 2026-09-14
- State Farm term comparison and underwriting footnotes ↗
Checked 2026-09-14