普遍的生活 insurance provides flexibility
If seeking a flexible way to help protect your loved ones and build tax-deferred cash value, a 普遍的生活 policy may be what you need. While this flexible permanent protection is ideal for those potentially seeking to adjust coverage and premiums to meet changing needs,1 it can be structured as a Survivorship or 联合 policy. State Farm 生活® pp王者电子官网 Company (not licensed in MA, NY or WI) or State Farm 生活 and Accident Assurance Company (licensed in NY and WI) can help.
pg电子官方网页版 to get a life quote
If you are interested in additional life products, please contact a State Farm agent.
Typical uses for 普遍的生活 insurance
- 帮助s provide for a family's loss of income, mortgage 成本, and educational needs
- Access to cash value (“living benefits”) for life's opportunities
- Estate, special needs, and business planning
Survivorship Universal 生活 insurance4
Covers two people. The death benefit is paid when the last person insured under the policy dies. Survivorship 普遍的生活 is an efficient way to assist with a variety of planning needs such as cash for estate expenses, business transition planning or funding a special-needs trust.
联合 普遍的生活 insurance
Covers two people. The death benefit is paid upon the first death of the insureds. 联合 普遍的生活 offers an economical way of providing permanent coverage for two individuals under one policy. It could provide real financial security for your loved ones, helping them pay the mortgage, fund a college education, and pay off monthly bills.
Need help choosing a policy?
| 产品 | 特性 | 保费1 |
|---|---|---|
| 普遍的生活 |
特性Flexibility to change coverage amounts and premiums. |
保费1Minimum funding requirements must be met in order for the policy to remain in force and retain its flexibility. |
| Survivorship 普遍的生活 |
特性Pays benefits at the second spouse’s death. Typically used by couples with large estates to pay estate taxes, or to leave a legacy or charitable gift. |
保费1Flexible premiums which are generally lower than the premiums for a separate whole life or universal life policy. |
| 联合 普遍的生活 |
特性Protection for two lives with a single policy. Typically more affordable than two permanent policies. Pays benefits at the death of the first insured to help cover the survivor’s expenses. Also used by business owners to fund buy-sell agreements. |
保费1Flexible premiums which are generally lower than the premiums for two separate policies. |
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Optional coverages
Available for an additional cost
Flexible care benefits
添加 this rider to your 普遍的生活 insurance policy benefits you by providing money to meet long-term care expenses if you incur them. However, if you don’t use this rider, the death benefit provided by your life insurance policy will be t在这里 for your 受益人.
Family coverage
Term life insurance on your spouse and children can be included on your base coverage by purchasing separate term riders, subject to 可pp王者电子官网性. The additional level term rider may not be available in 所有国家.
残疾 Waiver of Monthly Deduction
The cost of life insurance, optional coverages and the monthly expense charge can be waived during certain periods of total disability as defined in the policy and lasting six continuous months.
Guaranteed Insurability Option
You are guaranteed the right to increase your life insurance coverage by the amount of the rider on specific option dates without evidence of 可pp王者电子官网性. The waiver of monthly deduction for disability benefit must be present in order to add this coverage. When you marry or become a parent, you may exercise the next available option.
Want to know more about life insurance?
1 Coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage
2 Increases in coverage are subject to underwriting and policy limits. Decreases in coverage are subject to policy limits.
3 Permanent 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 of the policy. 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.
4 Survivorship 普遍的生活 is the marketing name for Flexible Premium 联合 and Last to Die Survivorship Adjustable 生活 pp王者电子官网.
披露的信息
This is a general description of coverage. 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 State Farm agent.
pp王者电子官网 policies and/or associated riders and features may not be available in 所有国家, and policy terms and conditions may vary by state.
Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.
出具:
State Farm 生活 pp王者电子官网 Company (Not licensed in MA, NY, or WI)
State Farm 生活 and Accident Assurance Company (Licensed in NY and WI)
首页 Office, Bloomington, Illinois
Each insurer is financially responsible for its own products.
IL–12.17