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Life Insurance Resources

 

 

Life Insurance
Life insurance is available with a few different options. One option available is the universal plan, which is where you have death benefits, as well as the flexibility with your retirement, education, and savings. This form of insurance focuses on your long-term goals and helps you save for them.

Whole Life Insurance  

Whole Life insurance offers 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. State Farm offers whole life policies that can be paid with a single premium, premiums payable to 100, or somewhere in between. Whole life policies also provide for the accumulation of cash value on a tax-deferred basis which can be used when you need it, to help with life’s opportunities. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.

    

Universal Life Insurance

A Universal Life policy is a flexible way to help protect your loved ones and build tax-deferred cash value. 

Premiums are paid into your policy's account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as a charge for insurance protection, are then made from the account value. You have the ability to take loans or make withdrawals from the account value for your personal needs. Loans accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various deductions each month*.

Term Life Insurance
Term life insurance is the most affordable form of coverage. You have the option with term life of a 10, 20 or 30-year death benefits plan that covers funeral costs with no cash value.

 

  
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