Ingreso garantizado

A Single Premium Immediate Annuity

You worked, you played, and you raised a family. Saving money was hard work, but you did it. Now is the time to make sure all of your hard work pays you back. A Single Premium Immediate Annuity from State Farm® guarantees a monthly income for the rest of your life. For over eighty years we've helped our customers protect their financial futures. Take the guesswork out of retirement income and let us do the hard work for you.

  • “Single premium” means you fund the annuity with a lump sum payment
  • “Immediate” means you start receiving income one month after policy issue

¿Sabía usted?
Many customers who have purchased a Single Premium Whole Life policy or another Limited Pay policy from State Farm® have also expressed interest in this type of annuity.

You might also be interested in this annuity if you want to convert a tax-qualified retirement account, a matured CD, or an inheritance into an immediate stream of income.

Why Buy a Single Premium Immediate Annuity:

  • You receive a guaranteed monthly stream of income, or you can choose quarterly, semi-annual, or annual payments
  • You pay no fees beyond the initial one-time policy fee
  • You can choose the income payment option that best suits your needs

Primas

  • Minimum single premium: $25,000
  • Maximum single premium: $1,000,000

Higher premiums may be allowed with State Farm approval. Contact your agente de State Farm para mayor información.

Income Payment Options

This Single Premium Immediate Annuity offers the following income payment options:

  • Life Annuity: Income is guaranteed for your lifetime
  • Life Annuity with Choice of Certain Period: Income is guaranteed for the greater of the certain period or your lifetime. Certain periods from 5 through 30 years are available
  • Life Annuity with Cash Refund: Income is guaranteed for your lifetime. Upon your death, if the total income received is less than your initial purchase payment, any difference is paid in one sum to your beneficiary
  • Joint & Last Survivor Life Annuity: Income is guaranteed for the greater of your lifetime or your joint annuitant’s lifetime
  • Joint & Last Survivor Life Annuity 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 available

Income payment options may vary depending on the age and gender of the annuitant, single premium paid, income option chosen, state of issue, and policy provisions.

The Guaranteed Income Annuity cannot be surrendered; however, income options that include a certain period may allow you to accelerate all or part of your payments. Talk to your agente de State Farm for details. (Acceleration of payments is not available in NJ, PA, TX, and WA.)

Ventajas impositivas

Income payments are not taxed until received and may not be fully taxable.

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

Charges

  • There is a one-time $175 policy fee

Aceleración de pagos

For Guaranteed Income "immediate annuities", an Acceleration of Payments Provision is available. This provision allows remaining certain period income payments to be accelerated after the first policy year. If the unexpected happens (home repair, medical bills, or family emergency), it's nice to know you have options. Minimums apply, and partial accelerations are limited to one per policy year and must be at least $5,000. Annuity income payments will be reduced. Acceleration of Payments is not available in NJ, PA, TX, and WA. Contact your local State Farm agent for specific details and restrictions.


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.

    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 Life Annuity with Choice of Certain Period policy series 03046 and A03046.

Sin seguro FDIC
  • Sin garantía bancaria
  • Puede perder valor

IL-98.11

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