Futuros ingresos plus

A Single Premium Deferred Annuity

Even if you’re already contributing the maximum amounts allowed by law to your 401(k) and IRA accounts, you could still be saving even more for retirement by adding the Future Income Plus Annuity.

  • “Single premium” means you fund the annuity with a lump sum payment
  • “Deferred” means you start receiving income more than 12 months after we receive your payment

A Single Premium Deferred Annuity is often used for:

  • A rollover from a previous employer's 401(k) or other qualified plan due to job change or retirement
  • Maturing Certificates of Deposit
  • Accumulated funds from other investments
  • An inheritance or lump-sum payout
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Many customers who are interested in Estate Liquidity or Legacy Planning, and have purchased a State Farm Survivorship Universal Life Policy, or a Single Premium Whole Life Policy have also expressed interest in this type of annuity.

Why buy State Farm Future Income Plus?

  • Our Single Premium Deferred Annuity is backed by the financial strength of State Farm Life Insurance Company (all states except NY and WI), or State Farm Life and Accident Assurance Company (NY and WI only)
  • You can allow your accumulation value to keep growing and choose when you begin receiving payments. You can wait until you are age 95 (age 90 in NY) or 10 years from your issue age, whichever is later
  • There are no up-front sales charges or policy fees deducted from your single premium. Your entire premium earns interest
  • Interest earned is generally income tax-deferred
  • In addition to taking the accumulation value as a lump sum, you will have several income options, including guaranteed monthly income for your lifetime
  • Withdrawal Flexibility - If withdrawals on a policy year basis are 10% or less of your single premium in the 1st year or 10% or less of the accumulation value at the end of the prior policy year, there are no surrender charges*

*Distributions that exceed the 10% amount may be subject to surrender charges and a market value adjustment. Most withdrawals are subject to income tax and a 10% tax penalty if taken before age 59 1/2. The minimum withdrawal amount is $500. Up to 4 withdrawals per year are allowed. Please see your tax advisor for more information.

Primas

Initial premiums can vary by age and guarantee period. Contact your agente de State Farm para obtener información sobre la disponibilidad de este producto y para obtener detalles de la póliza sobre los requisitos de prima mínima, cobertura, costos y restricciones.

Income Payment Options

This Single Premium Deferred Life Annuity allows you to accumulate money with interest until a future date. Then, when you retire, you can take the accumulation value in one sum or choose from a number of income payment options, including:

  • Life Income: Income is guaranteed for your lifetime
  • Life Income with Choice of Certain Period: Income is guaranteed for the greater of the certain period (amount of time your payments are guaranteed to last) or your lifetime. Certain periods from 5 through 20 years are available
  • Joint & Last Survivor Life Income: Income is guaranteed for the greater of your lifetime or your joint annuitant's lifetime
  • Joint & Last Survivor Life Income with Choice of Certain Period: Income is guaranteed for the greatest of your lifetime, the joint annuitant’s lifetime, or the certain period. Certain periods of 10, 15, or 20 years avaliable

Comuníquese con su agente de State Farm para obtener más información sobre opciones adicionales de ingresos que pueden estar disponibles para usted.

Tasas de impuestos

Your single premium will earn interest at the current interest rate that State Farm has established.

Interest rates are guaranteed for a period of time called the Interest Rate Guarantee Period.

  • A higher interest rate may be available for a larger single premium
  • At the end of each guarantee period, you have a 30-day window to choose another guarantee period from those guarantees available at that time
  • A higher interest rate may be available for larger accumulation values at renewal

Por favor contacte su agente de State Farm para informarse sobre las tasas de interés actuales y la tasa de interés mínima garantizada.

Ventajas impositivas

Interest earned on the Future Income Plus accumulation value is generally federal income tax-deferred. This means it is not subject to federal income tax until it is received. Because of this, the annuity accumulation value can grow larger than would be possible if interest were taxed as it is earned. See your tax advisor for individual tax advice.

Some annuities are used to fund a tax-qualified plan. These tax-qualified plans can include:

  • Planes de jubilación de negocios
  • IRA tradicional
  • IRA Roth

  • Withdrawals & Charges

    You may access your accumulation value at anytime. However, surrender charges and a market value adjustment may apply. A surrender charge is a fee owed upon premature withdrawal from the annuity. A market value adjustment is an increase or decrease in the value of the annuity based on current interest rates when a premature withdrawal occurs. The minimum withdrawal amount is $500. Up to four withdrawals per policy year are allowed. Please see your tax advisor for more information.

  • Current Surrender Charge

    Año de póliza Percent (%)of Accumulation Value For NY (%)
    1ero 9% 7%
    2do 8% 6%
    3ro 7% 5%
    4to 6% 4%
    5to 5% 3%
    6to 4% 2%
    7to 3% 1%
    8to 2% 0%
    9to 1% –
    10th+ 0% –

  • Market Value Adjustment for Withdrawal or Surrender

    This adjustment will depend on how prevailing market interest rates have changed since the beginning of the guarantee period, as well as the amount of time remaining in the guaranteed period. In general:

    • If prevailing interest rates have risen, the adjustment may decrease the amount available (subject to policy-defined floor)
    • If prevailing interest rates have fallen, the adjustment may increase the amount available (subject to policy-defined ceiling)
    • The longer the amount of time remaining in the guarantee period, the greater the adjustment will be

  • Waiver of Surrender Charges and Market Value Adjustments

    State Farm waives surrender charges and the market value adjustment in the following situations:

    • El retiro o rescate ocurre durante el intervalo de 30 días después del final de cada período de garantía (se pueden aplicar limitaciones para períodos más cortos)
    • If withdrawals, on a policy-year basis, are 10 percent or less of your single premium in the first year or 10 percent or less of the accumulation value at the end of the prior policy year in later years
    • El fallecimiento del beneficiario si un beneficio por fallecimiento es pagadero
    • Enfermedades terminales que califiquen (refiérase a la póliza para una definición)
    • Internación en un hospital o asilo de ancianos que califique (refiérase a la póliza para una definición)
    • Se elige una opción de ingreso vitalicio después de un año

Policy Series Wording Information

Estas son descripciones generales de cobertura. Una declaración de cobertura completa solamente se encuentra en la póliza.

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.

    In a tax-qualified retirement plan, federal-income-tax deferral is provided by the tax-qualified retirement plan. No additional tax deferral is provided by an annuity. You should contact your attorney or tax advisor for more complete information.

    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.

Sin seguro FDIC
  • Sin garantía bancaria
  • Puede perder valor

IL-131.12

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