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United Heritage Insurance Review

United Heritage Insurance review

What do you look for in a life insurance company when you’re looking to buy a final expenses or burial life insurance policy? Perhaps your only concern is affordability. Or maybe it’s their track record.

Whatever it is, we at IBUSA know that you want a life insurance policy that’s going to offer your loved ones some peace of mind during the horrible event of your passing away.

United Heritage Insurance is one life insurance company many consider for a final expense plan.

But is United Heritage a good life insurance company? Should you purchase a life insurance policy from United Heritage? IBUSA is here to help you answer that very important question.

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About United Heritage Insurance

United Heritage first opened its doors in 1934 as Grange Mutual Life Company. It kept the name Grange Mutual until 1991, when it became United Heritage Mutual Life Insurance.

United Heritage Insurance offers a variety of insurance needs. United Heritage Life Insurance Company is their company exclusively dedicated to life insurance needs. United Heritage operates in 38 of the 50 states.

Financial Strength

Third party rating organizations help insurance seekers to get an idea as to the overall financial health of an insurance company.

There are some really reliable ratings companies out there: AM Best, Fitch and Standard & Poor’s. However, we could only find United Heritage ratings with AM Best.

AM Best gave United Heritage an B++. This is a pretty good life insurance rating, although we typically prefer an A- rating or higher.

Another rating to consider is the BBB to get an idea of how consumers feel about United Heritage. As of May 2020, United Heritage has an A+ rating with the BBB.

Pre-Need Funeral Planning

We all know that we are going to die—it’s an inevitable fact of life. If you know this, then why not be proactive about planning your funeral?

You may be surprised to learn that many people plan every part of their funeral and burial long before they are even sick. With United Heritage Funeral Planning you can do this as well.

Benefits of Pre-Need Funeral Planning

When you choose Pre-Need Funeral Planning with United Heritage you take the guesswork out of things. Say you are going to die in 20 years—how are you to know the cost of funeral then? Inflation changes a lot of things, but instead of guesswork, pre-need funeral planning helps you be assured that you will have enough money to pay for your funeral—no matter when it happens.

United Heritage E Series Plan

Single Premium

Pay for your entire funeral long before it ever occurs to lock in the best deals. Not only will you be sure to keep your funeral prices low, by pre-planning and pre-paying for your funeral, you make life easier for your loved ones in such a traumatic time. They won’t have to worry about a thing except for grieving. No medical questions asked.

Full Benefit

Want to make multiple payments? You can plan a payment schedule that works over 3, 5 or 10 years. This policy requires you to answer a few medical questions in order to qualify. If you have severe medical issues, then this policy will not be a great option for you.

Graded Benefit

This is a policy that is only available in certain states. Another no-medical questions asked policy, this is a good alternative for someone who may not qualify for Full Benefit.

United Heritage Final Expense

These are three simplified issue and guaranteed issue policies designed only to take care of your final expenses so that your loved ones won’t become financially at risk after your death.

Protector Whole Life

This is a whole life final expense life insurance policy. It’s issued to people 0-85 years old and has a face value of $1000-$35000. No medical exams required.

Protector Graded Benefit

Graded for the first two years, graded benefit is a good option. Again, no medical exams or tests required. The death benefits under this policy are valid until 121 years of age. Protector Graded Benefit is issued for people 40-85 years of age. The face amount is $1000-$25000.

  • First year: Death benefit is 30% of face amount
  • Second year: Death benefit is 70% of face amount
  • Third year: Death benefit is 100% of face amount

Protector Modified Benefit

During the first two years, the death benefit is modified. Under this policy, if you die in the first two years that you have protector modified benefit, then your beneficiaries will receive 100% of what you’ve paid into the policy + 5% interest.

If you think about it, this is better than what you will get if that money sits in the bank for that time. While it won’t be the whole death benefit, your beneficiaries will still come out ahead—even if you die during the first two years. Issued from 40-85 years old. Face amount is $1000-$15000.

Is United Heritage the best life insurance company for a final expense policy?

There is no doubt about it that United Heritage is a great life insurance company, particularly if you want a life insurance policy to cover your final expenses like burial or cremation and funeral costs. They have a range of products for this, and you will likely be satisfied with United Heritage as a life insurance company.

However, you asked if they are the “best”. The word “best” may not seem like a subjective term, but it is. What’s best for you may or may not be best for someone else. The same is true with life insurance companies offering final expense policies. United Heritage will definitely be the best option for some—but will it be the best option for you?

The only way to find out is to call United Heritage and get a quote. But don’t stop there. Just doing that will only tell you if United Heritage is “good”, not if they are the “best” for you. To find out if they are the best, you have to compare what they are offering to what other guys are offering.

How can I compare United Heritage to other life insurance companies?

You need to call IBUSA. We will help you figure out what dozens of the top life insurance companies in the United States would offer you for a final expense policy.

We will then make a solid recommendation, personalized for you. You can take those recommendations and compare it to what United Heritage has offered. Then, you can look at the numbers and decide which life insurance company will be the best for you.

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