State Farm is one of the most recognized insurers in the country, headquartered in Bloomington, Illinois. Its life division holds an A+ (Superior) financial strength rating from A.M. Best. For end-of-life costs, State Farm sells a final expense whole life policy — the product most people mean by burial insurance.
Where State Farm is strong
Financial strength and familiarity are the draw. State Farm’s life operation carries an A+ (Superior) rating, and its network of local agents suits buyers who want to sit across a desk from someone they know. Its final expense whole life is designed to become paid-up at age 100 — premiums stop while the coverage continues — which appeals to buyers who want a defined end to payments.
Where it falls short
State Farm sells only through its own agents, so a State Farm quote never sits next to a competitor’s. Final expense coverage also starts at $10,000, a higher entry point than the $2,000–$5,000 many burial policies allow, and it is not sold in New York. One more note for the record: A.M. Best downgraded State Farm from A++ to A+ in November 2025 — still a strong rating, and driven by the parent’s property-casualty side rather than the life division.
The independent alternative
As an independent brokerage, we compare a State Farm-style policy against dedicated final expense carriers for your exact age and health. See how coverage is priced on our final expense cost page, read the burial insurance overview, or get a quote to compare carriers in one place.