The Truth About State Farm Burial Insurance in 2024
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
State Farm offers burial insurance to cover the costs of funerals and burials.
To find out more about State Farm whole life insurance, continue to read this review!
We’ll be discussing how you can get a quote for burial insurance if you’re eligible, what it will cost, and where to buy life insurance.
You’ll also learn about any associated limitations or exclusions with this life policy, as well as some FAQs that we’ve answered from customers who have purchased this type of coverage in the past.
It’s important to know that we in no way offer State Farm Funeral Insurance, In fact, we replace them often.
In addition, there are so many better options for burial insurance.
Table of Contents
Is State Farm right for me?
State Farm isn’t available in any state. Premium payments can be made online at the state farm office in person, through the mail, or online using electronic billing.
State Farm also offers a multi-policy discount on certain life insurance policies.
The company focuses on the marketing of comprehensive term life insurance programs with an online application and instant response.
The variety of options may seem overwhelming to some, but State Farm offers a variety of specialized insurance policies.
Find life insurance that’ll suit you. If you are a grandparent, there are many options better than State Farm for burial insurance.
Get a free quote and compare policies by filling out the quote form to the right.
Overview of State Farm Life Insurance
State Farm Life insurance has served as a broker since 1929 that carries coverage from most states.
SNL Financial was named to be the top private life insurance company in the United States in 2014.
Unlike some companies, State Farm is very open about what types of policies the company sells, what riders are available, and how different policies compare to one another.
State Farm’s products have been recognized as some of the top 5,000 life insurance companies nationwide.
How much does State Farm Funeral Insurance cost?
State Farm has some of the highest prices in funeral insurance.
You can run quotes on their website, which is how we got these amazing numbers!
We also took it upon ourselves to show you rates from four other companies that represent final expense insurance – Lincoln Heritage Life Insurance Company (which might be more expensive), Colonial Penn Life, TruStage, AARP-the American Association Of Retired Persons, and GLOBE Life.
Here are rates from age 50-80 for State Farm and Mutual of Omaha.
Coverage In $10,000 For Woman No Tobacco
| Applying Age | State Farm $10,000 | Mutual Of Omaha $10,000 |
|---|---|---|
| 50 | $27.71 | $24.67 |
| 51 | $28.97 | $25.45 |
| 52 | $30.33 | $25.88 |
| 53 | $31.76 | $26.62 |
| 54 | $33.28 | $27.47 |
| 55 | $34.88 | $28.40 |
| 56 | $35.61 | $29.27 |
| 57 | $37.19 | $30.06 |
| 58 | $38.89 | $30.83 |
| 59 | $40.62 | $31.70 |
| 60 | $42.40 | $32.87 |
| 61 | $44.23 | $34.51 |
| 62 | $46.11 | $36.06 |
| 63 | $48.41 | $37.72 |
| 64 | $51.06 | $39.36 |
| 65 | $53.92 | $41.01 |
| 66 | $55.99 | $43.44 |
| 67 | $59.54 | $45.86 |
| 68 | $63.30 | $48.29 |
| 69 | $67.46 | $50.81 |
| 70 | $72.22 | $53.24 |
| 71 | $77.31 | $56.63 |
| 72 | $82.93 | $60.12 |
| 73 | $89.11 | $63.93 |
| 74 | $93.87 | $67.78 |
| 75 | $98.08 | $72.41 |
| 76 | $105.78 | $78.25 |
| 77 | $113.48 | $83.51 |
| 78 | $121.18 | $88.44 |
| 79 | $128.88 | $93.41 |
| 80 | $136.60 | $98.43 |
A $10,000 policy for non-smokers
| Applying Age | State Farm $10,000 | Mutual Of Omaha $10,000 |
|---|---|---|
| 50 | $33.15 | $29.16 |
| 51 | $34.57 | $30.30 |
| 52 | $36.18 | $31.12 |
| 53 | $37.92 | $32.20 |
| 54 | $39.72 | $33.61 |
| 55 | $41.60 | $35.09 |
| 56 | $43.00 | $36.45 |
| 57 | $45.33 | $37.91 |
| 58 | $47.79 | $39.27 |
| 59 | $50.41 | $40.82 |
| 60 | $53.25 | $42.76 |
| 61 | $56.35 | $45.38 |
| 62 | $59.70 | $47.90 |
| 63 | $63.28 | $50.52 |
| 64 | 67.14 | $53.14 |
| 65 | $71.36 | $55.76 |
| 66 | $74.11 | $59.35 |
| 67 | $77.90 | $62.93 |
| 68 | $82.94 | $66.53 |
| 69 | $87.23 | $70.11 |
| 70 | $90.79 | $73.70 |
| 71 | $97.41 | $78.36 |
| 72 | $104.04 | $82.92 |
| 73 | $110.67 | $88.01 |
| 74 | $117.30 | $93.16 |
| 75 | $123.95 | $99.53 |
| 76 | $129.42 | $106.87 |
| 77 | $135.16 | $113.64 |
| 78 | $141.34 | $119.86 |
| 79 | $147.97 | $126.23 |
| 80 | $155.40 | $132.65 |
Tobacco coverage for women of $10,000
| Applying Age | State Farm $10,000 | American Amicable $10,000 |
|---|---|---|
| 50 | $31.50 | $31.29 |
| 51 | $33.17 | $32.23 |
| 52 | $34.89 | $33.74 |
| 53 | $36.81 | $35.46 |
| 54 | $38.78 | $36.73 |
| 55 | $40.97 | $38.67 |
| 56 | $42.11 | $39.81 |
| 57 | $44.12 | $41.54 |
| 58 | $46.29 | $43.05 |
| 59 | $48.63 | $44.62 |
| 60 | $51.17 | $45.77 |
| 61 | $53.94 | $47.93 |
| 62 | $56.93 | $50.24 |
| 63 | $60.13 | $52.67 |
| 64 | $63.58 | $55.25 |
| 65 | $67.28 | $57.71 |
| 66 | $69.90 | $60.62 |
| 67 | $74.25 | $63.66 |
| 68 | $78.62 | $66.09 |
| 69 | $83.42 | $70.51 |
| 70 | $88.87 | $72.18 |
| 71 | $94.67 | $75.86 |
| 72 | $101.06 | $79.74 |
| 73 | $108.08 | $84.14 |
| 74 | $113.54 | $88.66 |
| 75 | $118.36 | $94.42 |
| 76 | $123.39 | $101.64 |
| 77 | $128.74 | $108.24 |
| 78 | $134.38 | $115.15 |
| 79 | $140.56 | $125.02 |
| 80 | $147.25 | $135.19 |
$10,000 In Coverage For Man Tobacco
| Applying Age | State Farm $10,000 | American Amicable $10,000 |
|---|---|---|
| 50 | $42.88 | $40.59 |
| 51 | $44.86 | $42.27 |
| 52 | $46.97 | $44.08 |
| 53 | $49.22 | $46.13 |
| 54 | $51.08 | $48.06 |
| 55 | $52.94 | $50.01 |
| 56 | $54.80 | $51.97 |
| 57 | $56.66 | $53.94 |
| 58 | $58.51 | $56.40 |
| 59 | $62.37 | $58.39 |
| 60 | $66.39 | $60.57 |
| 61 | $70.57 | $64.28 |
| 62 | $75.05 | $67.00 |
| 63 | $80.05 | $69.53 |
| 64 | $85.50 | $72.73 |
| 65 | $91.35 | $76.06 |
| 66 | $95.25 | $80.53 |
| 67 | $100.43 | $84.68 |
| 68 | $106.45 | $89.66 |
| 69 | $111.55 | $94.65 |
| 70 | $115.80 | $98.32 |
| 71 | $120.69 | $103.98 |
| 72 | $125.58 | $109.94 |
| 73 | $130.47 | $116.69 |
| 74 | $135.36 | $123.65 |
| 75 | $140.23 | $132.49 |
| 76 | $145.72 | $141.32 |
| 77 | $151.44 | $150.57 |
| 78 | $157.52 | $161.81 |
| 79 | $163.97 | $171.24 |
| 80 | $171.08 | $181.75 |
Keep in mind, State Farm will consider using cigars as a form of tobacco use for burial insurance.
We also offer funeral insurance for seniors over 85 which State Farm does not!
State Farm Life Insurance Products
State Farm is specialized in auto and home insurance.
They also offer term – and permanent coverages.
No medical exam coverage is available through State Farm, but this option is limited to only a face value of $50,000.
State Farm’s online quote portal gives you quick access to term and permanent life insurance quotes.
In the event that you die, your survivors will be provided a death benefit from an existing life insurance plan.
A medical exam can be completed in any other state such as Texas and has no waiting period. However, if approved by the applicant no other medical test has been done in the past.
State Farm also offers a no-exam policy that requires you to no health questions about your health.
Life insurance buying guide
Check if any of the providers you are considering offer the coverage you were seeking such as $10,000, $25,000, or $50,000.
Select all life insurance policies the policy will contain.
Calculate how many years you plan to have a life insurance policy in place before your heirs pass away.
Make sure the health requirements on the policy are the same and the application processes of each of them follow this suit.
For more information see our life insurance buying guide to buying life insurance.
Look out for the number of consumer complaints each provider receives each policy gets. High numbers can lead to a red flag about good customer service.
Get our life coverage guide online or from our website.
What kind of life insurance policies are available from State Farm?
State Farm has 10 primary life insurance products across three types: term life insurance policy, whole life insurance policy, and universal life insurance policy.
Term Life Whole Life Survivorship and Universal Life Survivorship are available as part of State Farms policy types.
Ten customizable life insurance plans to choose from
State Farm is offering more than 19000 policies and an extensive range of products.
There are no questions no exams and their maximum allowed is $3,000.
State Farm offers its services in most U.S. cities and has about 1,000 insurance policies.
State Farm provides a variety of insurance coverage options.
This includes comprehensive, total, and full-cost plan products.
The insurer owns and operates the majority of all the policies and offers over 80,000 policy options to all customers.
Universal Life Insurance Options from State Farm
State Farm’s Universal Life Policies include Universal Life Insurance Survivorship, Universal Life Insurance, and Joint Universal Life Insurance.
For more info see our overview of universal life insurance. How can Universal Life insurance works?
Guides’ Find a good life insurance provider for you.
Get no-cost insurance quotes or contact information. Make a life insurance policy at State Farm.
See a full list of the university departments on State Farm.
Whole Life Insurance Options from State Farm
State Farm’s Burial Insurance Policies are Final Expense, Limited Payable Life, Single Premium Life, and Whole Life.
To learn more visit the page About life insurance? Guide.
In addition, the State Farm options include Limited Expenses.
Term Life Insurance Options from State Farm
State Farm is offering the following term life insurance plans:
Select, a return of premium term life and an Instant Answer term life.
Tell me the meaning of term life insurance? Guides. The State Farm final expense policy offers a choice of terms life options
State Farm Life Insurance Policy Details
State Farm’s whole life provides lifetime term insurance policies.
Up to 2008, it did not offer variables.
Online payments are possible through the organization’s Pocket Agent service.
States Farm also offers Business Continuation and employee life insurance.
State Farm also offers group life insurance plans for businesses and group life plans for employees. Get more information about State Farm.
The State Farm Burial Insurance Policies
State Farm sells whole life term life insurance products.
All-State Farm term policies may be converted to permanent coverage no matter what happens to your health.
Provision and policy detail varies from state to state.
More about State Farm life insurance
The online portal permits you to view your policies payments premiums and lab results.
There is no documentation on Android phones which can be downloaded easily.
All policies are eligible to earn dividends but universal terms products are not likely to earn them.
Other State Farm insurance types include universal, term insurance, and term product lines.
State Farm customer complaints and satisfaction
States Farm was first among 23 companies in J.D. Power’s U.S. Life Insurance study for customer satisfaction. A new study shows that State Farm has more problems in life insurance than anticipated.
FAQs
State Farm Burial Insurance
What is State Farm Burial Insurance? State Farm Burial Insurance is a type of life insurance policy offered by State Farm Insurance. It is designed to help cover the costs associated with funeral and burial expenses.
How does State Farm Burial Insurance work? When you purchase a State Farm Burial Insurance policy, you pay regular premiums to the insurance company. In the event of your death, the policy pays out a predetermined benefit to your designated beneficiary, which can be used to cover funeral costs, burial expenses, or any other financial obligations.
What are the benefits of State Farm Burial Insurance? State Farm Burial Insurance provides several benefits, including:
Financial protection: It helps ensure that your loved ones are not burdened with the high costs of your funeral and burial.
Ease of application: The application process is typically straightforward, with minimal medical underwriting requirements.
Flexibility: You can choose the coverage amount and premium payment frequency that best suits your needs.
Portability: Your policy remains in effect as long as you pay the premiums, regardless of changes in your health or residence.
More FAQ
How much does State Farm Burial Insurance cost? The cost of State Farm Burial Insurance depends on several factors, such as your age, health condition, coverage amount, and desired premium payment frequency. It is best to contact State Farm directly or speak with an insurance agent to get a personalized quote based on your specific circumstances.
Who can apply for State Farm Burial Insurance? State Farm Burial Insurance is typically available to individuals aged 50 to 80 years old, although the specific eligibility requirements may vary. It is important to check with State Farm or an insurance agent to confirm if you meet the eligibility criteria.
Can I purchase State Farm Burial Insurance for someone else? Yes, you can purchase State Farm Burial Insurance for someone else, such as a family member or loved one. However, you will need to have their consent and provide the necessary information required during the application process.
Are there any waiting periods with State Farm Burial Insurance? State Farm Burial Insurance policies may have a waiting period, also known as a “graded death benefit period.” During this period, if the insured person passes away, the policy may only pay a limited benefit or a return of premiums paid, depending on the policy terms. It is important to review the policy details to understand any waiting periods that may apply.
Can I cancel my State Farm Burial Insurance policy? Yes, you can typically cancel your State Farm Burial Insurance policy at any time. However, it is advisable to review the policy terms and conditions and consult with State Farm or your insurance agent to understand any potential implications or fees associated with cancellation.
How do I file a claim with State Farm Burial Insurance? In the event of the insured person’s passing, the beneficiary should contact State Farm directly or speak with an insurance agent to initiate the claims process. The insurance company will provide guidance on the required documentation and steps to follow to file a claim.
Is State Farm the only provider of burial insurance? No, State Farm is not the only provider of burial insurance. There are other insurance companies and providers that offer similar types of policies. It is recommended to compare quotes and policy features from multiple insurers to find the option that best fits your needs.
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Conclusion
2024 State Farm burial Insurance is a great read for anyone interested in learning more about the ins and outs of state farm burial insurance.
Whether you’re currently looking for life insurance or just want to be informed, this article has some helpful tips on how to get started with your search.
Ready to make an appointment? Get a quote today!
