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PROVIDER REVIEW
State Farm Life
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About State Farm Life

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State Farm Life Insurance Review

Overview

In business since 1922, State Farm is one of the largest life insurance providers in the United States. The company is headquartered in Bloomington, Illinois, but has satellite offices nationwide.

In addition to providing life insurance, State Farm is the largest auto insurance provider in the country and insures nearly a fifth of all the nation’s homeowners. With its wide reach and financial stability, policyholders can take comfort in knowing the company won’t have trouble fulfilling its obligations to customers when it comes to paying out premiums.


PolicyScout Review

State Farm has an outstanding reputation for both financial stability and excellent customer service. The company received an A++ rating from AM Best and a Better Business Bureau ranking of A-. Both scores indicate that State Farm is not only financially stable but also focused on addressing customer concerns with care and attention and prioritizing making policyholders feel satisfied with the services provided.

Pros

  • Strong financials

  • Early payment options

  • Excellent planning tools on the website

  • User-friendly mobile app

  • Outstanding customer service

  • Strong product lineup, offering term, whole, and universal life insurance policies with a variety of different plans and options under each category

Cons

  • The website can be confusing

  • The application process is a bit long and convoluted and could be improved

  • Strict underwriting. This company has some of the strictest underwriting guidelines in the industry. If you have pre-existing conditions, you may not be approved.

  • No variable life insurance

  • High rates. With the strict underwriting, getting their best rates is difficult unless you’re young, fit, and have a clean family history

If you’re looking for a reputable, stable life insurance provider, State Farm is a great provider that offers big provider benefits, such as a vast network of agents, financial strength, and outstanding customer service. Although its policies are quite similar to other providers, its early payment options are an attractive option for many.


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