<h4 style="text-align: center;">PROVIDED BY STATE FARM</h4>
The money you spend on permanent life insurance can be used to pay death benefits for your loved ones, or to help you financially during your lifetime. Look to permanent life insurance to offer:

<b>Lifetime Protection: </b>Whole life insurance offers level premiums and life insurance protection for as long as you live, provided premiums are paid as required to keep the policy in force. The death benefit paid by a whole life insurance policy generally passes on income tax-free to your beneficiaries.

<b>Cash Value: </b>Whole life insurance provides for the accumulation of cash value on a tax deferred basis over time. This cash value can be used to help cover unexpected expenses, college expenses or help supplement your retirement income. Unpaid loans and withdrawals will reduce the death benefit and policy cash value. Loans also accrue interest.

<b>Policy Dividends: </b>With whole life insurance, insurance companies may pay dividends—a return of premium for better-than-expected performance by the insurance company. Though not guaranteed, dividends can increase a policy's death benefit or cash value, and generally aren't considered taxable income.

Contact your State Farm® agent (https://www.statefarm.com/agent/index.xhtml) to learn more about life insurance (https://www.statefarm.com/insurance/life_annuity/life/life.asp).

<i>Neither State Farm nor State Farm agents provide tax, legal, or investment advice. Please consult your tax, legal, or investment advisor regarding your specific circumstances.</i>