I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Mar 1, 2022

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Here's the Scoop

  • 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:

PolicyTypeDetails
Express Issue Whole Life policySimplified issue life insurance; no medical exam is required; coverage for up to $100,000This 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 LifeSimplified issue life insurance; no medical exam is required; coverage for up to $100,000This 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 plansIssued based life insurance; medical exam is requiredThese 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).
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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.

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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.