State Farm Annuities

Annuity Basics

Investors are on a seemingly endless quest for a safe haven for their retirement dollars. Selecting the best investment depends on your financial goals and market conditions. Fixed annuities are low-risk investments that can help you reach those goals.

How Deferred Annuities Work

Accumulation Phase

During this phase, the customer pays either a lump sum or makes periodic payments to the insurance company. These payments accumulate at interest over a period of time, similar to a savings account. However, unlike most other savings vehicles, interest is earned on a federally income tax-deferred basis. This tax advantage is one reason annuities have become important retirement planning tools (Although income tax-deferred, taxes will become due when funds are withdrawn).

Distribution Phase (Income Payout)

Income payments can be made monthly, quarterly, semi-annually, or annually. The amount of these income payments is based upon the accumulation value when payments begin, the age and gender of the annuitant,* and the income option selected. If the annuitant selects one of the life income payout options, guaranteed payments will continue for the rest of his or her life.
* Unisex rating applies to certain tax-qualified plans and policies issued in Montana.

Sounds simple, right? And yet there's a lot of confusion and misinformation out there when it comes to annuities. At State Farm® we're committed to providing you with the answers you need to make confident, well-informed choices when it comes to your future.

Obtenga más información
Types of Annuities
Tax-Qualified and Non-Tax Qualified Plans
Annuity Mythbusters

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Our Annuities at a Glance

State Farm offers several types of annuities. Learn more about which one best fits your personal retirement program.

Future Wealth Builder* Futuros ingresos plus Ingreso garantizado
Life stage Several years from retirement and you want to save for the future Closer to retirement with a sizable amount already saved About to retire or already retired and you want a steady, guaranteed income right away
Premium mode A lump-sum payment or periodic payments A lump-sum payment A lump-sum payment
Minimum initial premium amount Age 0-65: $10,000
Age 66-90: $25,000		 Age 0-65: $10,000
Age 66-90: $25,000/$50,000		 Age 21-90: $25,000
Interest Rate Guarantee Period 1 year, and can adjust annually Can be locked in for 5, 7, or 10 years N/A
Guaranteed minimum interest rate At least 1% for duration of policy At least 1% for duration of policy N/A
Annual fees and expenses $25 for account values less than $10,000 ($50 maximum) Ninguno $175 (one-time fee)


Policy Series Wording Information

Estas son descripciones generales de cobertura. Una declaración de cobertura completa solamente se encuentra en la póliza.
Para obtener más información sobre la cobertura, los costos, las restricciones y la renovación, o para solicitar cobertura, comuníquese en su zona con su agente de State Farm.

Las pólizas de seguro o los anexos y las características asociados pueden no estar disponibles en todos los estados y los términos y condiciones de la póliza pueden variar por estado.
* This product is currently not available.

Sin seguro FDIC

  • Sin garantía bancaria
  • Puede perder valor

Distribuido por:

State Farm Life Insurance Company (No autorizada en MA, NY ni en WI)
State Farm Life and Accident Assurance Company (autorizada en NY y WI)
Bloomington, IL

  • View additional disclosures

    Comuníquese con su agente de State Farm para más información sobre cobertura, costos y restricciones.

    Los agentes de State Farm no ofrecen asesoramiento legal, impositivo ni de inversiones. Le sugerimos que consulte con su asesor legal, impositivo o de inversiones sobre su situación específica.

    Guarantees are based on the claims-paying ability of the issuing State Farm Life Insurance company.

    Withdrawals made prior to age 59 1/2 are subject to a 10 percent federal income tax penalty.

    Las pólizas de seguro o los anexos y las características asociados pueden no estar disponibles en todos los estados y los términos y condiciones de la póliza pueden variar por estado.

    Póliza de anualidad de vida diferida, serie 10040, 10090, A10040 y A10090.

    Deferred Annuity policy series 03040, 03090, 03047, 03097, A03040, A03090, A03047, and A03097.

    Deferred Annuity policy series 03040, 03090, 03047, 03097, A03040, A03090, A03047, and A03097. Single Premium Immediate Life Annuity policy series 03041, 03091, and A03041.

    Single Premium Immediate Life Annuity with Choice of Certain Period policy series 03042, 03092, and A03042.

    Single Premium Immediate Life Annuity with Cash Refund policy series 03043, 03093, and A03043.

    Single Premium Immediate Joint & Last Survivor Life Annuity policy series 03044, 03094, and A03044.

    Single Premium Immediate Joint & Last Survivor Life Annuity with Choice of Certain Period policy series 03045, 03095, and A03045.

    Single Premium Immediate Annuity with Choice of Certain Period policy series 03046 and A03046.

IL-159.3