United Home Life Insurance Review (2024)
United Home Life specializes in offering consumers no medical exam life insurance policies. This company offers term and whole life insurance policies, and even a special policy designed for insulin dependent diabetics. Younger people may find better coverage through a larger company than United Home Life.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Originally named the United Farm Family Life Insurance Company, this company was founded in 1937 while the country was still reeling from the economic impact of the great depression
- United Home Life Insurance Company joined United Farm Family Life Insurance Company in 1948; these two companies continue to operate together today
- United Home Life Insurance Company offers simplified life insurance products for people who want basic coverages at good prices
United Home Life is best known for serving the no medical exam niche of the life insurance marketplace. When larger life insurance companies reject your coverage because of your poor health or chronic health condition, you can likely find affordable life insurance coverage through United Home Life.
Most no medical exam life insurance companies only offer whole life insurance or final expense life insurance products. United Home Life Insurance also offers consumers term life insurance policies too. This company also offers a special life insurance policy for people with diabetes who require insulin.
United Home Life is a beacon of hope for many people who cannot get life insurance from other companies. This company has a surprisingly large portfolio of life insurance products for consumers to choose from when compared to other small life insurance companies.
If you’re ready to compare life insurance quotes from companies in your area, enter your ZIP code above to see the top life insurance rates in your locality.
What are the life insurance rates from United Home Life?
United Home Life does not publicize any of its life insurance rates. If you want to get a quote on a whole life insurance or term life insurance policy from United Home Life, you will need to get in contact with one of their life insurance agents.
You cannot get a quote from their website as they do not offer online quotes either. Speak with a life insurance agent to get the most accurate quote details for this company.
While United Home Life does not require any medical exams to get their coverage, you will likely need to answer health questions during your application process to complete the underwriting portion of your life insurance policy. Your age, health, lifestyle, and other factors will be considered when quoting your life insurance rates.
If you want to compare affordable United Home Life insurance rates with the completion, call a life insurance agent to get an affordable United Home Life insurance quote.
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What do I need to know about term life insurance from United Home Life?
United Home Life’s term life insurance policies come in two different term lengths, 20 and 30 years. Generally, there are more term options available than this from other life insurance companies.
United Home Life term life insurance policies can be renewed once the initial term has expired up to the age of 95. This company also offers various additional riders that can be added to your life insurance policy to give you more customized coverage. To get a full understanding of the life insurance riders offered by United Home Life, speak with an agent.
United Home Life Insurance Company also offers a 20-year Return of Premium term life insurance policy. At the end of the 20-year term, all premiums paid on the policy will be returned to the policy-holder, assuming that it was fully paid and did not lapse.
This life insurance policy choice can be a great idea for people looking for coverage but don’t want to spend too much on their life insurance premiums.
Read More:
- Top Life Insurance Company That Offers 20-Year Terms
- Top Life Insurance Companies That Offer 30-Year Terms
What do I need to know about whole life insurance from United Home Life?
This company offers a few different whole life insurance policies, and they all can be tailored to meet your specific life insurance needs. The two main types of whole life insurance sold by United Home Life are simplified-issue whole life insurance and guaranteed-issue whole life insurance.
Simplified-issue whole life insurance will require you to answer some medical questions, and you can be potentially turned down for this life insurance coverage.
United Home Life’s guaranteed-issue whole life insurance is life insurance that anyone with any health condition can get as long as they are younger than 100 years old. This might be the only life insurance policy many people can qualify for.
All whole life insurance policies from United Home Life last for the duration of your life, and they all grow a cash value over time as your policy is paid. This cash value can be borrowed against should the financial need arise.
Can I access my United Home Life insurance policy online?
While you may not get a life insurance quote online, you can access and manage your United Home Life insurance policy on their website. All you need is your United Home Life login information which should be given to you when you purchase a policy from this company.
Once you log in, you should view and manage your United Home Life insurance policies online. If you need any further assistance regarding your policy or online account with United Home Life, you can speak with a United Home Life customer service representative.
Your one-stop online guide for life insurance quotes. Get free quotes now!
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How strong is United Home Life financially?
A.M. Best has given United Home Life an A- financial strength rating. This is one of the company’s highest ratings, indicating that United Home Life is in a strong financial position.
United Home Life Insurance: The Bottom Line
If you are looking for no medical exam life insurance, United Home Life is a good option. However, you can get better term life insurance and whole life insurance policies from other life insurance companies.
If you’re ready to compare life insurance quotes from companies in your area, enter your ZIP code below to see the top life insurance rates in your locality.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.