{"id":324775,"date":"2025-11-11T17:11:58","date_gmt":"2025-11-11T22:11:58","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=89061"},"modified":"2025-11-11T17:11:58","modified_gmt":"2025-11-11T22:11:58","slug":"state-farm-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/state-farm-review\/","title":{"rendered":"State Farm Life Insurance Review"},"content":{"rendered":"\n\n <\/span>\n \n\n\n

State Farm Life Insurance Review<\/h2>\n\n\n\n

State Farm is one of our favorite providers for term life insurance<\/a> thanks to its diverse offerings. Customers can choose from two different term structures depending on their needs: a standard Select Term policy (level terms of 10, 20, or 30 years) and a “return of premium” plan that refunds your base premiums if you outlive the policy. State Farm no longer offers the “Instant Answer” no-exam policy<\/a> that appeared in earlier lineups. In addition to its term policies, State Farm offers whole and universal life insurance. It has a good selection of policy add-ons, too, so its policies are fairly customizable. See State Farm\u2019s current term lineup here: Term life insurance<\/a>, including Select Term<\/a> and Return of Premium<\/a>. For historical reference on Instant Answer Term, see the archived page here<\/a>.<\/p>\n\n\n\n

Keep in mind that there isn\u2019t a single best policy or provider for everyone. The right company for you will depend on who extends the best premium for the coverage you need. We suggest requesting a quote from State Farm along with a few other companies to see how your options stack up. If you do choose State Farm, you\u2019ll be well taken care of: It holds top-tier financial strength ratings \u2014 A.M. Best A++, S&P Global AA, and Moody\u2019s Aa1, all with stable outlooks \u2014 and it continues to be closely tracked in the latest customer-experience benchmarks from J.D. Power<\/a> and the American Customer Satisfaction Index (ACSI)<\/a>. You can verify State Farm\u2019s current insurer ratings on its financial strength<\/a> page.<\/p>\n\n\n\n\n <\/span>\n \n\n\n

The Life Insurance Factors We Analyzed<\/h2>\n\n\n\n

Customer experience<\/h3>\n\n\n\n

Independent benchmarks from J.D. Power.<\/a> now span multiple studies that assess insurers\u2019 customer experience. The latest public releases include the U.S. Auto Insurance Study (region-based rankings on a 1,000-point scale), the U.S. Auto Claims Satisfaction Study<\/a>, the U.S. Insurance Shopping Study<\/a>, and the U.S. Home Insurance Study<\/a>. Results vary by geography and product, and industrywide satisfaction has been pressured recently by elevated rate increases and longer repair cycle times. For a cross-brand view beyond J.D. Power\u2019s 1,000-point scale, see ACSI\u2019s 0\u2013100 brand scores<\/a> for property & casualty insurers.<\/p>\n\n\n\n

On top of that, the National Association of Insurance Commissioners<\/a> provides a Consumer Complaint Index by line of business (1.0 equals the industry average; below 1.0 indicates fewer complaints than expected). You can look up the latest State Farm results using the NAIC\u2019s Consumer Insurance Search<\/a> tool.<\/p>\n\n\n\n

Coverage and rider information<\/h3>\n\n\n\n

Within State Farm\u2019s term, whole, and universal life insurance structured offerings are a number of coverage options designed to fit specific needs. We particularly like State Farm for its term insurance options, which include:<\/p>\n\n\n