United Home Life Insurance Reviews (2025)
When comparing life insurance companies, it may be hard to find a policy that fits your needs and doesn't require a medical exam. United Home Life Insurance has plenty of policies that have flexibility, as well as a few that don't require a medical exam for coverage.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Apr 19, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 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
- United Home Life Insurance Company offers term, whole, and universal policies with a wide variety of available rider options
- United Home Life Insurance Company has great financial stability, backed by both the BBB and A.M. Best
- There are very few complaints, with most customers highly rating United Home Life Insurance Company
Founded in Indiana in 1948, the United Home Life Insurance Company offers a few different types of final expense life insurance options, focusing mainly on simplistic and easily understood products.
United Home Life has a few different plans available to consumers, which include both whole life and term life insurance policies.
Continue reading to learn more about what United Home Life Insurance Company covers under their plans as well as company reviews for their products.
United Home Life Insurance Reviews
Known for its simple underwriting process, United Home Life Insurance Company has accumulated high ratings from both A.M. Best and the Better Business Bureau (BBB).
With the Better Business Bureau, they have a rating of A+ (Excellent) with only two filed complaints within the last three years — one of which closed within the past 12 months.
Similarly, A.M. Best has rated United Home Life Insurance Company an A-.
Here are some reviews from satisfied consumers:
“The best experience! You guys gave me hope when I was hopeless. Thank you.”
Noni Brooks
“It was seamless. Jason was great, and the woman who took my info and read all the “fine print” legalities was fantastic. An incredibly painless experience — I highly recommend!”
Karen Hartline
“They were slow to take payment. But they have great service.”
Angelic Bully
United Home Life Insurance Company also has an independent rating of 3.5 stars on Google.
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What products does United Home Life Insurance offer?
While there isn’t much information on their website regarding rates, United Home Life Insurance Company provides quite a bit of information about what their policies cover.
Mainly focusing on final life expenses, United Home Life also writes policies for whole life insurance as well as term life.
Here are the available options for final death expenses:
| Policy | Type | Details |
|---|---|---|
| Express Issue Whole Life policy | Simplified issue life insurance; no medical exam is required; coverage for up to $100,000 | This plan is a graded death benefit plan; includes several no-cost riders: Identity Theft Waiver of Premium, Common Carrier Accidental Death, and Hospital Stay Waiver of Premium |
| Guaranteed Issue Whole Life | Simplified issue life insurance; no medical exam is required; coverage for up to $100,000 | This plan is an immediate death benefit policy; there is a limited underwriting process, so this policy will have a lower limit |
| Express Premier and Deluxe plans | Issued based life insurance; medical exam is required | These plans both offer the full death benefit from the day of issuance; there are several rider options as well as add ons at no-cost: Accelerated Death Benefit for terminal illness (child rider and accidental death benefit are also available). |
You should note that for the first two years of the death benefit coverage, you will receive all premiums paid plus interest. After three years, the full death benefit is payable. This allows those who may have riskier health histories — that are not traditionally covered by life insurance — to receive coverage more easily.
Term life insurance policies offered by the United Home Life Insurance Company typically provide coverage from $50,000 to $1 million that is available in term lengths of 10 to 30 years.
Does United Home Life insurance offer universal life insurance?
United Home Life Insurance Company does, in fact, offer universal life insurance with flexible rates and coverage amounts. These policies will accrue cash value interest in a tax-deferred account, with some policies even offering a guaranteed return interest rate.
Keep in mind that these types of policies may incur additional fees as well as monthly fees and expenses.
What kinds of riders are available?
There are various types of options in regard to riders on your policy. Riders are usually considered an additional add-on to existing policies. However, there are a few policies (as mentioned previously) that come with riders that do not include any additional costs.
Here are some available rider products:
- Accelerated Death Benefit Rider. There is a payout of up to $300,000 for an accelerated death benefit if you become terminally ill with a life expectancy of 12 months or less.
- Cost of Living Rider. It increases coverage annually, based on the consumer price index (CPI).
- Scheduled Increase Option Rider. It increases the amount of coverage on your policy (up to $100,000 more) without having to repeat the underwriting process.
- Disability Waiver of Premium. This will pay policy premiums if you become permanently disabled or unable to work before the age of 60 (rider expires after the age of 65).
- Disability Income Rider. This provides monthly income to assist with expenses if you become permanently disabled before the age of 65.
- Children’s Insurance Rider. This offers term life insurance for dependent children up to age 25 (can be converted to permanent life insurance after the age of 25).
- Guaranteed No-Lapse Rider. This guarantees coverage of a permanent life policy for a specific length of time (up to a lifetime of coverage).
- Living Benefit Rider. This will automatically be included on policies with a minimum of $50,000 in death benefits and can be paid out as an accelerated death benefit if the policyholder becomes terminally or chronically ill. This payout can be made in a lump sum or a series of regularly scheduled payments.
- Return of Premium Rider. This is available to permanent life policyholders and can access the cash surrender value of the policy to whichever is equal to the premiums already paid.
- Spouse Insurance Rider. This offers the ability to insure your spouse on your policy.
- Term Rider. This can add term coverage to your policy for any additions.
Unfortunately, United Home Life Insurance Company does not offer quotes on its website. Therefore, the rates for adding riders to your policy will depend on what you qualify for.
United Home Life Insurance Company sells policies exclusively through agents, but independent reviews have suggested rates of approximately $60 a month for a $20,000 whole life policy.
United Home Life Insurance Reviews: The Bottom Line
United Home Life Insurance Company has limited resources regarding their policy rates, but their simplicity for having straightforward plans is unmatched.
They make a great choice for those who need a life insurance policy that doesn’t require a medical exam, as well as plenty of options for additional riders. This, combined with their solid financial standing, is one of the many reasons why considering United Home Life for your life insurance needs may be beneficial to you.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.