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State Farm Burial Insurance Review

Independent review by Secure Final Plan. We are a brokerage, not State Farm — we compare its products against other carriers we represent.

Carrier facts

A.M. Best rating
A+ (Superior) · source
Headquarters
Bloomington, Illinois

State Farm is one of the most recognized insurers in the country, headquartered in Bloomington, Illinois. Its life division holds an A+ (Superior) financial strength rating from A.M. Best. For end-of-life costs, State Farm sells a final expense whole life policy — the product most people mean by burial insurance.

Where State Farm is strong

Financial strength and familiarity are the draw. State Farm’s life operation carries an A+ (Superior) rating, and its network of local agents suits buyers who want to sit across a desk from someone they know. Its final expense whole life is designed to become paid-up at age 100 — premiums stop while the coverage continues — which appeals to buyers who want a defined end to payments.

Where it falls short

State Farm sells only through its own agents, so a State Farm quote never sits next to a competitor’s. Final expense coverage also starts at $10,000, a higher entry point than the $2,000–$5,000 many burial policies allow, and it is not sold in New York. One more note for the record: A.M. Best downgraded State Farm from A++ to A+ in November 2025 — still a strong rating, and driven by the parent’s property-casualty side rather than the life division.

The independent alternative

As an independent brokerage, we compare a State Farm-style policy against dedicated final expense carriers for your exact age and health. See how coverage is priced on our final expense cost page, read the burial insurance overview, or get a quote to compare carriers in one place.

Strengths

  • A+ (Superior) A.M. Best financial strength rating
  • Large, long-established, widely trusted insurer with local agents
  • Final expense whole life becomes paid-up at age 100 — premiums stop, coverage stays

Drawbacks

  • Sold only through captive State Farm agents, so you never see a competing carrier's quote
  • Final expense coverage starts at $10,000 — a higher entry point than some burial policies
  • Not available in New York
  • A.M. Best downgraded State Farm from A++ to A+ (Superior) in November 2025 (still a strong rating)
The independent alternative

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About you

Estimates only, based on illustrative sample rates — not a quote or an offer of coverage. Actual premiums are set by the issuing carrier and vary by state, age, health, and tobacco use. Coverage is not bound until confirmed in writing by the carrier.

Frequently asked questions

Does State Farm sell burial insurance?

Yes. State Farm offers a final expense whole life policy — the product people mean by burial insurance — for ages 45 to 80, with coverage starting at $10,000. It is sold through State Farm's own agents and is not available in New York.

Is State Farm financially strong?

Yes. State Farm Life holds an A+ (Superior) rating from A.M. Best. A.M. Best downgraded the group from A++ to A+ in November 2025 due to pressures in the parent's property-casualty divisions, not the life operation — A+ is still one of the top financial strength ratings.

Does State Farm require a medical exam for final expense?

State Farm's final expense whole life is a simplified product, and it also offers guaranteed issue options with no exam. Requirements vary by state and by the policy you choose — a State Farm agent confirms the specifics.

Is State Farm the best choice for burial insurance?

State Farm is financially strong and backed by local agents, but its $10,000 minimum and captive sales model mean you only see State Farm's price. An independent broker compares State Farm-style coverage against dedicated final expense carriers for your age and health.

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