Home › Insurance › Term life insurers › State Farm vs MassMutual
Here's how State Farm and MassMutual term life compare on facts from their own pages. We don't provide quotes.
| State Farm | MassMutual | |
|---|---|---|
| Term options | Select Term: 10, 20 or 30 years, level premium | 10, 15, 20, 25 or 30 years, plus annually renewable term |
| Longest term | 30 years | 30 years |
| Issue ages | Issue ages 18–75 (10-yr), 18–65 (20-yr), 18–45 (30-yr) | Not found on the insurer's page |
| How to apply | Online quote; buying is mostly through State Farm agents | Through a financial professional (no direct online application on its page) |
| Convert to permanent? | Yes, to permanent coverage during the level term and before age 75, regardless of health (State Farm conversion page) | Yes, most policies, without medical questions or exams, generally through age 65 |
| Complaints (California 2025, life) | 0.1 per 100,000 policies (1 justified complaint; State Farm Life Insurance Company) | 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: State Farm Select Term page (checked 2026-10-12) · MassMutual term life page (checked 2026-10-12)
More on State Farm · More on MassMutual · All term life insurers
Term options: State Farm Select Term: 10, 20 or 30 years, level premium, MassMutual 10, 15, 20, 25 or 30 years, plus annually renewable term; Longest term: State Farm 30 years, MassMutual 30 years; Issue ages: State Farm Issue ages 18–75 (10-yr), 18–65 (20-yr), 18–45 (30-yr), MassMutual Not found on the insurer's page; How to apply: State Farm Online quote; buying is mostly through State Farm agents, MassMutual Through a financial professional (no direct online application on its page); Convert to permanent?: State Farm Yes, to permanent coverage during the level term and before age 75, regardless of health (State Farm conversion page), MassMutual Yes, most policies, without medical questions or exams, generally through age 65; Complaints (California 2025, life): State Farm 0.1 per 100,000 policies (1 justified complaint; State Farm Life Insurance Company), MassMutual 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company); Quotes: State Farm We don't sell insurance or give quotes, MassMutual We don't sell insurance or give quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.