Knepper Derek State Farm Insurance
Insurance, Life Insurance, Insurance Agent
Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. Decide which coverage is right for you before getting a life insurance quote.
Term life insurance is the most straightforward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that "term." State Farm® offers a variety of affordable term life insurance products to fit your needs, time frame, and budget.
Whole life insurance helps your family prepare for the unexpected. It builds tax-deferred cash value you can use for a family's loss of income, mortgage costs, or educational needs — or to leave a legacy for the next generation. State Farm Whole Life insurance policies offer level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.
Universal Life Insurance premiums are paid into your policy's account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as a charge for insurance protection, are then made from the account value. You have the ability to take loans or make withdrawals from the account value for your personal needs. Loans accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various deductions each month.
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