Future Wealth Builder™

* This product is currently not available.

Una anualidad de vida diferida con prima flexible

Even if you're contributing the maximum amount allowed by law to your 401(k) and IRA accounts, you could still be saving even more for retirement by adding the Future Wealth Builder Annuity.

  • “Flexible premium” means you can pay premiums at any time.
  • “Deferred” means you start receiving income more than 12 months after State Farm® receives your first payment.

Why buy a Flexible Premium Deferred Life Annuity:

  • Premiums grow at a fixed interest rate
  • Your money will earn an interest rate guaranteed for at least one year
  • Other than the initial minimum payment, you choose when and how much to pay
  • You can choose when you begin receiving monthly payments
  • There are no up-front sales charges or state premium tax charges. Interest earned is generally tax-deferred

Primas

Once the minimum initial premium requirement is met, you can choose the premium amount you pay ($100 or more) and can make payments at any time. Payment reminders are available. An annual policy fee may apply for balances under $10,000. Contact your State Farm agent for information regarding the availability of this product and for policy details on minimum premium requirements, coverage, costs, and restrictions.

Income Payment Options

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

  • Life Income: Income is guaranteed for your lifetime
  • Life Income with 10 Years Certain: Income is guaranteed for the greater of the certain period of 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

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

You can also allow your accumulation value to keep growing after retirement, if you wish, and choose when you begin receiving monthly payments. For example:

  • You can wait until you are 95 (90 in NY)
  • For tax-qualified plans (other than Roth IRAs), Required Minimum Distributions must begin by April 1 of the year after you reach age 70 1/2

Tasas de impuestos

Your money will earn an interest rate guaranteed for one year. The larger your account, the higher the interest rate may be. Please contact a agente de State Farm for current interest rates and the minimum guaranteed interest rate.

Ventajas impositivas

  • Interest earned on the Future Wealth Builder accumulation value is usually tax-deferred. Generally, you will not be liable for taxes on the earnings until they are paid out. This allows the annuity accumulation value to 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 any time. The minimum withdrawal amount is $500. Up to 4 withdrawals per policy year are allowed. State Farm offers a systematic withdrawal program that allows the annuity owner to receive monthly, quarterly, semiannual, or annual payments from their Deferred Annuity. A policy owner may participate in the systematic withdrawal program at any time before the final Annuity Date. The minimum required to establish a systematic withdrawal program is $100. Surrender charges may apply (see below). Please see your tax advisor for more information.

    There are no up-front sales charges or state premium tax charges. All of your premiums earn interest from the date funds are received by State Farm. An annual policy fee may apply for balances under $10,000. The Future Wealth Builder Annuity does include surrender charges, which are explained below.

  • Surrender Charge

    Año de póliza Por ciento (%)
    1ero 9%
    2do 8%
    3ro 7%
    4to 6%
    5to 5%
    6to 4%
    7to 3%
    8to 2%
    9to 1%
    10th+ 0%

  • Waiver of Surrender Charges

    Waiver of Surrender Charges

    State Farm waives surrender charges in the following situations:

    • If withdrawals, on a policy year basis, are 10 percent or less of your initial 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-156.1

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