Meet United Home Life
We’ve kept the promises we’ve made to our policyowners for more than 70 years. Our goal is to offer products that are simple to understand and that will provide security for the ones you love.
We offer an array of products including whole life, term, and accidental death benefit coverage. And many of our plans can be custom-tailored to meet your specific life insurance needs with our additional riders and benefits, several at no-cost to you.
We’re dedicated to providing you with quality life insurance products as simply and efficiently as possible. Our products offer life insurance coverage specific to your needs using a simplified underwriting process that includes no invasive medical exams or pages of questions about your medical history.
Final Expense - Whole Life Insurance
Whole life insurance is insurance for your whole life. Our whole life products are permanent plans of insurance with a protection element (the death benefit) and a growth element (the cash value). And each comes with guarantees:
- A death benefit guaranteed never to go down.
- Premiums guaranteed never to go up.
- Cash value that grows over time, so long as premiums are paid.
Our portfolio is designed to cover a broad spectrum of individuals. For those who can qualify for preferred rates and who have no health issues to those who may have severe health issues or may even be considered “uninsurable” by other carriers. And, all on a simplified basis – no medical exams, bodily fluids testing, or pages of health questions:
- Express Issue Premier
- Express Issue Deluxe
- Express Issue Whole Life
Click here to read more about our simplified issue final expense whole life coverage.
Our Guaranteed Issue Whole Life* product has perhaps the most uncomplicated application process of all our plans – there are NO health questions. None. What could be simpler? If you’ve had trouble getting life insurance in the past, or you simply don’t want the hassles of exams and blood tests or to answer personal questions about your medical history, Guaranteed Issue Whole Life may be the simplest solution for your life insurance needs.
Accidental Death Insurance
Accidental Death Benefit Coverage
If you commute to work, use public transportation, travel for business, or have teenaged drivers, Protector AD accidental death coverage is an inexpensive addition to your existing policies. Suitable for occupations such as municipal police and firefighters, commercial window washers, and long-haul truckers, Protector AD gives you another way to provide for those you love.
Protector AD is an accidental death benefit rider that doubles over 20 years which is attached to a small whole life plan. Premiums are level and guaranteed for 20 years, followed by guaranteed increasing annual premiums. And, there’s a return-of-premium feature which, at the end of the 20-year period, allows for a refund of the annual premiums paid, and coverage terminates.
With only one non-health question on the application, Protector AD may be the easiest way to provide an added layer of insurance protection for your loved ones.