United Home Life Contracting and Appointment

Since 1948, United Home Life has provided invaluable life insurance protection.  United Farm Family Life, the parent company has had the same purpose since 1937.

With more than two decades of experience in the simplified issue market, the goal is to offer coverage specific to the needs without invasive medical exams or pages of questions about medical and health history. UHL believe passionately that buying life insurance doesn’t need to be complicated and continually strive to simplify the application and underwriting process.  

These are United Home Life's current policies and state availability for 2018.

Accidental Death

Protector Accidental Death with ROP

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Issue ages 18 to 60 (Age Last Birthday) and is gender/tobacco neutral. Accident Death amounts: $50,000, $75,000 and $100,000, and doubles in 20 Years to $100,000, $150,000, and $200,000, respectively. Underwriting: there’s just one non-health question on the Protector Accidental Death application, language may vary by state. 

Protector AD is an accidental death benefit rider attached to a small whole life policy which provides an additional amount of coverage, and is guaranteed to double over the first 20 years while premiums remain level and are guaranteed. The policy builds cash value which, after the 20th year, equals 20 annual premiums. At the end of the 20th year, a Return-of-Premium (ROP) option is available, and is based on the annual premium. If the ROP option is selected, the coverage terminates. Otherwise, coverage continues with annual premiums that will increase.

Child Rider

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Child Rider (CR) is an optional rider with select policies, may vary by state.

The CR is level term insurance to age 21 with a level premium per unit. Each unit is $5,000 of death benefit; premium per unit is $25 annually. CR provides coverage to the Base Insured’s children, no matter the number of children.

Issue ages (Age Last Birthday) 18 to 60 for Base Insured and 30 days to 18 for Children. Face amounts: Minimum: $5,000 (One unit) and Maximum: $20,000 (Four units). If each parent has an individual base policy, the total CR combined coverage is limited to the $20,000 maximum. The CR face amount cannot exceed base policy face amount.

Child must meet underwriting requirements to qualify; one rate classification and standard underwriting only ~ no ratings. Convertible without evidence of insurability on or within 31 days of the child’s 21st birthday or the date the rider terminates, whichever is earlier. New policy must meet minimum age/face requirements, and permanent whole life plan premiums are based on child’s attained age at time of conversion.

Base Insured issue ages vary by product. Rider availability varies by product and state.

Final Expense

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Express Issue Whole Life

A graded-benefit life insurance product: during the first two policy years, benefit for death by natural causes is a refund of all premiums paid to date plus interest on earned premiums. Beginning day one of policy year three, the full death benefit is payable. Death due to accidental causes during first two policy years, the full death benefit will be paid. After the two-year Graded Death Benefit period, death occurring for any reason the full face amount of the policy shall be paid to the beneficiary.

Previously declined applicants will be considered. Significant health issues and overweight clients considered; and only one-year look-back for Cancer, Heart Attack/surgery, Stroke and drug abuse.

Issue ages 25 to 80 (Age Last Birthday), may vary by state. Face amounts: $2,000 to $25,000; Rate classes: Non-Tobacco/Tobacco. Non-med and PHI required.

Express Issue Deluxe

Suitable for insulin-dependent diabetics, individuals receiving disability compensation, or been previously declined by other insurance carriers. Two-year look-back for Cancer, Heart/Circulatory Disorder, Stroke, Alzheimer’s, Dementia, Sickle Cell Anemia, Brain Tumor, Kidney Disease, Liver Disease, Lung Disease, ALS, Neurological disorders, and alcohol or drug abuse. 

Issue ages 20 to 80 (Age Last Birthday), Face amounts: $5,000 to $50,000; Rate classes: Non-Tobacco/Tobacco. Non-med and PHI required. 

Express Issue Premier

Ideal for clients with minor health issues, such as controlled high blood pressure or controlled high cholesterol, or Type II Diabetes (non-insulin dependent). Only a two-year look-back for Schizophrenia or Bipolar Disorder, Diabetes requiring insulin treatment, or Systemic Lupus Erythematosus (SLE).

Issue ages 20 to 80 (Age Last Birthday), Face amounts: Minimum $5,000, Maximums $100,000 (ages 20 to 60) and $50,000 (ages 61 to 80). Rate classes: Non-Tobacco/Tobacco. Non-med and PHI required. 

Guaranteed Issue Whole Life

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Issue ages 45 to 75 (Age Last Birthday), may vary by state. Face amounts: $5,000 to $10,000; Rate classes: Non-Tobacco/Tobacco. Guaranteed Issue Whole Life product is perhaps the most uncomplicated application process ~ there are no health questions, medical exams, physical exams, or Personal History Interviews (PHIs).

Guaranteed Issue is a graded-benefit life insurance product: during the first three policy years, benefit for death by natural causes is a refund of all premiums paid to date plus interest on earned premiums. Beginning day one of policy year four, the full death benefit is payable. Death due to accidental causes during first three policy years, the full death benefit will be paid. After the three-year Graded Death Benefit period, death occurring for any reason the full face amount of the policy shall be paid to the beneficiary.

Simplified Issue Term Life

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Simplified Issue Term 20

A 20-year level premium term and is ideal for clients with minor health issues. PHI is required.  

Issue ages 20 to 60 (Age Last Birthday), Face amounts: Minimum: $25,000, Maximums $200,000 (ages 20 to 45); $150,000 (ages 46 to 55); $100,000 (ages 56 to 60). Rate classes: Non-Tobacco/Tobacco. Optional benefits and riders: Waiver of Premium, Child Rider, Accidental Death, and no-cost built-in Terminal Illness Accelerated Death Benefit Rider.  

Simplified Issue Term 30

A 30-year level premium term and is ideal for clients with minor health issues. PHI is required.

Issue ages 20 to 55 (Age Last Birthday) may vary by state. Face amounts: Minimum: $25,000, Maximums: $200,000 (ages 20 to 45); $150,000 (ages 46 to 55). Rate classes: Non-Tobacco/ Tobacco. Optional benefits and riders: Waiver of Premium, Child Rider, Accidental Death, and no-cost built-in Terminal Illness Accelerated Death Benefit Rider.

Simplified Issue Term 20 ROP

A 20-year level premium term with Return-of-Premium (ROP) and is ideal for clients with minor health issues. PHI is required.

Issue ages 20 to 60 (Age Last Birthday) for Non-Tobacco and ages 20 to 40 for Tobacco. Face amounts: Minimum: $50,000, Maximums: $200,000 (ages 20 to 45); $150,000 (ages 46 to 55); $100,000 (ages 56 to 60). Rate classes: Non-Tobacco/Tobacco. Optional benefits and riders: Child Rider and no-cost built-in Terminal Illness Accelerated Death Benefit Rider.

Simplified Issue Term 20 DLX

A 20-year level premium term and is ideal for clients with insulin-dependent diabetes who otherwise qualify. PHI is required.

Issue ages 20 to 60 (Age Last Birthday), Face amounts: Minimum: $25,000, Maximum: $50,000. Rate classes: Non-Tobacco/Tobacco. Optional benefits and riders: Child Rider, Accidental Death and no-cost built-in Terminal Illness Accelerated Death Benefit Rider.

All Simplified Issue Term policies offer guaranteed level premiums for the initial term period (after which premiums increase annually), and renewability guaranteed to age 95.

Simplified Issue Whole Life

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Provider Whole Life

An immediate death benefit whole life product offering protection whether newly married, building a family or an active senior. It is a great starter policy for children or grandchildren. Discounted premium rates are available to those who qualify.  

Issue ages 18 to 80 (Age Last Birthday), Face amounts: Minimum $10,000, Maximums $150,000 (ages 18 to 50); $100,000 (ages 51 to 60); $50,000 (ages 61 to 80). Rate classes: Preferred Non-Tobacco and Standard Non-Tobacco/Tobacco. Non-med, no rateable conditions and PHI required. 

Provider for Juveniles

Issue ages 0 to 17 (Age Last Birthday), Face amount up to $150,000, and includes no-cost built-in Guaranteed Insurability Benefit Rider. This rider guarantees the right to purchase additional life insurance in an amount up to the base policy face amount on the option date, without evidence of insurability. Option date: policy anniversary nearest insured’s 25th birthday. 

Product and rider/benefit availability, and issue ages may vary by state. Exclusions and limitations may apply.

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