State Farm Burial Insurance Review

Woman Wondering About State Farm Burial Insurance Review

If you’re looking for a review of burial insurance State Farm, you’ve come to the right place. We will give you all the information you need in this article to help you decide if State Farm’s burial insurance is right for you.

State Farm’s burial insurance or final expense policy is a whole life plan that is designed to cover the funeral cost. This policy has a limited fixed death benefit amount of $10,000, and it’s available if you are between the age of 50 and 80 with average, good, or excellent health.

There is no medical exam necessary to qualify for this plan. Instead, you need to answer basic health questions as part of the application. They ask about some health issues, and if you have them, your application will be declined. 

The applicant may have to answer questions about high blood pressure, high cholesterol, not have a history of cancer or heart disease.

You will also have to give consent to check your prescription history. The company will review your prescription medication that will indicate treatment for conditions they ask about on the health questionnaire.

State Farm’s final expense insurance has a level premium that will never go up for any reason. The death benefit is immediately available if the policyholders pass away.

There is other information about the policy that potential buyers should be aware of. We will provide all the information you need to help you choose a policy that is best suited for your needs and budget.








State Farm is a mutual insurance company founded in 1922 that provides various insurance and financial services in the U.S. and Canada. It is the biggest home and auto insurance and the eighth biggest life insurance in the country.

It is ranked 33rd in the 2017 Fortune 500 in terms of revenue.

State Farm offers final expense insurance policies through its life insurance division. They have 18,000 agents all over who exclusively offer the company’s insurance products.

State Farm Financial Ratings

  • A.M. Best: A++
  • Better Business Bureau: A-
  • Moody’s: Aa1
  • Standard & Poor’s: A.A.

These scores from primary rating agencies indicate that State Farm is financially stable and can meet its financial obligation to policyholders on time.


  1. No medical exam – you are only required to answer some health questions.
  2. Level premium – your insurance premium is fixed and may be payable beyond age 100.
  3. Level death benefit – the death benefit will never decrease as long as you pay your premiums on time.
  4. Flexible payment options – you can choose to pay either monthly or annually.
  5. Cash value accumulation – the cash value of the policy can accumulate over time on a tax-deferred basis.
  6. The insurance payout can be used for any purpose – your beneficiary can choose whether or not to use the death benefit to pay funeral and burial cost.
  7. You can earn dividends – State Farm is a mutual company that gives dividends to policyholders. Although not guaranteed, dividends can accumulate while earning interest. It can be used to reduce your premium or get it in cash.


You are not required to take a medical exam or physicals to qualify for State Farm’s final expense policy. Instead, you will only answer some basic health questions and agree to have them review your medication and prescription history.

You will see specific medical issues asked on the application, and having this issue will cause a decline in your application. You will be qualified for coverage if you don’t have these conditions.


Here are the health questions you will see on the application. Answering yes to any of them will mean automatic decline.


  • Have you ever been declined by State Farm in the past for any life insurance product?
  • Are you currently in a hospital or nursing facility?
  • Are you currently bedridden at home?
  • Are you currently receiving Home Health Care?
  • Are you currently confined to a wheelchair?
  • Do you need help with your activities of daily living such as eating, bathing, dressing, toileting, continence, and transferring?
  • Are you currently using supplemental oxygen to Breathe?
  • Do you have Alzheimer’s or dementia?
  • Within the previous three years have you had or ever been treated for cancer?
  • Do you have or been treated for COPD in the last 3 years?
  • Have you ever been put on dialysis?
  • Have you ever been diagnosed or treated for AIDS or HIV?
  • Have you ever had tissue or organ transplant?


  • Do you have or been treated for a heart or circulatory procedure such as an angioplasty, balloon procedure, or stent placement in the last 3 years?
  • Have you ever had a heart defibrillator?
  • Have you ever had or been treated for issues of your heart or your circulatory system, including aneurysms, heart attacks, congestive heart failure, or chest pain within the past 3 years?
  • Within the past 3 years have you had a stroke or a mini-stroke?
  • Have you been treated for kidney disease, liver cirrhosis, hepatitis A, B, or C within the last 3 years?
  • Have you ever had or been treated for muscular dystrophy, Parkinson’s Disease, Lou Gehrig’s Disease?
  • Have you ever had or been treated for multiple sclerosis or Huntington’s disease?
  • Have you had or been treated for a mental disorder like bipolar or schizophrenia in the past 3 years?
  • Have you ever been treated for alcohol or drug use in the last 3 years?

State Farm underwriting is very strict compared to other life insurance providers offering simplified issue burial insurance.

Even when they don’t require a medical exam, they have a comprehensive list of health issues they don’t accept which makes qualifying for final expense insurance difficult for those with only minor health issues.

You will have to be in average health to qualify. By “average health,” they mean:

  • You have no major illnesses such as cancer or diabetes
  • Your cholesterol must be less than 250
  • Your blood pressure should read less than 135/90
  • You have no history of cancer or heart disease
  • You only have one to two traffic violations in the last 12 months
  • No DUI driving under the influence of alcohol or drugs in the last 5 years
  • No recreational alcohol or drug abuse

State Farm does not offer guaranteed issue burial insurance with no medical exam and no health questions, unlike other companies.


State Farm will electronically review your prescription history to check for prescription medications you are taking to treat any health issues they ask about. A prescription history check will validate your answer to the health questions and reveal what health condition you’ve been treating in the past.

Some prescription drugs are a red flag and can cause you to not qualify for coverage. If you are taking any prescription medications for any health issues they care about, they may respond negatively to your application.

For example, if you say “no” to having COPD, but you are taking medication to control your condition, State Farm will offer you a plan consistent with someone who has COPD and denies your application.


MIB provides information about your previous life insurance application results. This report is shared among insurance companies for review.

If you applied for life insurance in the last six months and you were denied coverage, this information would be written in your MIB file which will be accessible to State Farm should you decide to apply to them in the future.

For example, if you inform the other insurance company, you applied before that you have cancer. This information will be on your MIB report. If you answer the health questions that you don’t have cancer, your MIB report will refute your answer to the health question, and your application may be denied.


State Farm’s final expense insurance or burial insurance is part of its whole life insurance policies and functions the same way. The only difference is it’s primarily designed to cover final expenses.

It only has a fixed maximum coverage of $10,000. Applicants who need more coverage than $10,000 are advised to get one of their life insurance plans with bigger coverage options.

There is no disqualifying information on State Farm’s website, but their burial insurance plans are designed for those who are average, good, or in excellent health who pass the health standard.

Their pricing depends on the age of the applicant, with a noticeable price increase for older applicants.

State Farm may have received an A- rating with Better Business Bureau, but it has a poor score with Trustpilot which gives them a rating of 3.8 out of 10 in consumer complaints.

In 2018, State Farm Life Insurance faced a class-action lawsuit for allegedly overpricing its policyholders for 23 years. They had been using unexplained factors in order to add charges that increase rates. The policyholders won and were awarded $34 million in July 2018, State Farm is still appealing the verdict.



Flexibility – One benefit of State Farm’s burial insurance policy is the guaranteed $10,000 death benefit that will never decrease for any reason. The death benefit is flexible and can be used by the beneficiary to pay burial and funeral cost or use it for any purpose they see fit.

Participating whole life insurance – State Farm’s final expense insurance is dividend earning, although not guaranteed. If the company makes a profit, you will be benefited by it since you are a policyholder. Your dividend can be used to pay your premium or receive a cash bonus.

Cash value accumulation – Burial insurance with State Farm accumulates cash value over time. This will build, and you have the opportunity to use it as you wish.

If you buy your policy on your 50’s, you will have a decent amount when you retire. If you have an emergency, you can take out a loan and use the money. However, you need to pay your policy loan, or it will be deducted on the death benefit payout when you pass away.


Limited benefit amount – Burial insurance State Farm has a fixed death benefit amount of $10,000. If you need more than $10,000 to cover your end-of-life expenses, medical bills, and debts, your family might struggle to pay all these with the limited $10,000 death benefit.

If you want to apply for State Farm final expense insurance, you should consider if the $10,000 death benefit will be enough to cover all your final expenses. There is no way to adjust this amount, so this plan will be no use if you have significant debt or other medical bills to cover.

Higher premium for tobacco users – State Farm impose a higher premium to tobacco users. A tobacco user is defined as “anyone who has consumed tobacco or nicotine products within the last 12 months.”

The best rate is virtually unattainable – You need to be in excellent health to qualify for the best prices. High cholesterol is a non-issue to most life insurance companies, but with State Farm, you need to be under 175 to qualify.

Most life insurance companies accept applicants with a blood pressure reading 135/85 for their preferred rates. However, with State Farm, you need to have a blood pressure reading of 115/70 to get the best price. Having serious health issues or a poor driving record could get you a higher premium.

Captive agents – State Farm agents exclusively sell their own life insurance products. These agents will try to convince you that their products are the best.

Compared with an independent life insurance agency like Funeral Funds, they will not help you to shop different life insurance companies to get the best plan.


There are some situations when buying State Farm burial insurance is a good option for you. If you can medically qualify, buy State Farm final expense insurance if you are 78 to 80-year-old male who use tobacco products. Those are the only instances where buying State Farm life insurance policy is a good option because they offer competitive rates.

If you are not a male 78 to 80-year-old, State Farm burial insurance is not a good insurance option for you.


We don’t like giving a negative review, but it is our responsibility to educate people about life insurance.

Here are the instances when State Farm’s final expense insurance is not good for you:

  • If you are a male or female with health issues
  • If you are a male who uses tobacco products
  • If you are looking for a death benefit that is less or more than $10,000
  • If you are over the age of 80
  • If you are a male 50-77 years old
  • If you are female (their rates are relatively higher)

You will be surprised that there are many other insurance companies out there offering better rates and benefits than State Farm.

If you are looking for burial insurance, don’t forget to compare many companies before you make a purchasing decision to get the best plan with the best premium.


Trying to find a policy from State Farm needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history and want to get a policy from State Farm, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for State Farmfuneral insurance, or State Farm burial insurance, or State Farm life insurance. Fill out our quote form on this page or call us at 888) 862-9456 and we can give you an accurate life insurance quotes.


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