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United Home Life Insurance Company Reviews

United Home Life Insurance Review

United Home Life is one of the many companies we represent. When looking for life insurance it is important to know what type of coverage you need, the right company offering that specific policy, as well as any alternatives that might better suit your needs.

At IBUSA, we work with dozens of the top life insurance companies, both requiring an exam and no medical exam life insurance.

United Home Life is a great company that fills a unique niche in the final expense whole life insurance marketplace.

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Review of United Home Life

About United Home Life Insurance Company

The first thing United Home Life Insurance Company reviews should include is a little back information about the company, so here it is! United Farm Family Life Insurance Company is the parent company of United Home Life. United Farm Family. United Farm Family has served Americans great and reliable life insurance for more than 70 years. Their products include whole and term policies.

United Home Life Pros

United Home Life fits a specific niche in the life insurance industry. Is it the best life insurance for everyone? Probably not.

However, for a certain segment of the U.S., United Home Life is a great life insurance option.

United Home Life Insurance Ratings

When reading a United Home Life Insurance Company review, you are obviously going to want to know their ratings from top rating agencies. One of the top agencies, A. M. Best, has rated United Home Life with an A- rating.

This rating is considering to be “Excellent” and is the 4th highest rating issued by A. M. Best. It is in the “secure” category. This means that your investment with United Home Life is secure and it’s a reasonable investment choice.

United Home Life Insurance Policies

United Home Life offers several different types of life insurance policies. We will focus on two of our favorites.

Express Issue Deluxe: Simplified Issue Whole Life

As the name suggests, this final expense life insurance policy is issued faster than average, which is a plus if you want to get your life insurance activated quickly.

  • Issue Age: 20-80
  • Face Amounts: Up to $100,000 for 20-60 years old; up to $50,000 for 61-80 years old

Life insurance riders: terminal illness accelerated benefit rider included; child rider & accidental death benefit available if desired

Express Issue Whole Life: Simplified Issue Graded Benefit

These graded benefit policies are excellent options when looking for burial insurance for seniors.

The difference here between the simplified issue policy above and a graded benefit policy is that the death benefit is graded for the first two years.

In year 1, the beneficiaries will get all premiums paid with 12% interest.

In year 2, the beneficiaries get premiums plus 24% interest.

On year three and beyond, the beneficiaries get 100% of the death benefit.

  • Issue Age: 25-80
  • Face Amounts: $2,000-$25,000

This is a great policy if you are looking to supplement or cover the cost of your final expenses so that relatives and loved ones do not have to do it.

Cons of United Home Life

United Home Life Insurance is always one of our favorite life insurance companies for people looking to buy a final expense policy. However, if you are looking for a bigger policy, then you may want to consider another life insurance company.

United Home Life: One of Many!

The biggest drawback of purchasing a life insurance policy from Universal Home Life is the same thing that is a drawback for any life insurance company: once you purchase a life insurance policy from one company, you automatically miss out on what everyone else is offering.

That means even if you are getting a great product from Universal Home Life, it may not be the very best life insurance solution for you and your family.

Perhaps United Home is in fact the best life insurance company for you! Finding the right life insurance company isn’t as easy as a quick internet search! It takes a whole lot more to figure out the right life insurance company.

How do I find the best life insurance?

You have to do a lot of comparing and contrasting of policies in the market to find the best life insurance.

However, you can’t just do it sitting on the internet reading United Home Life reviews and other reviews.

The reason for that is because a life insurance review only gives overall information; generic information that doesn’t relate to your personal needs. A life insurance review will never tell you which life insurance company is right for YOU. Only an expert can do that.

Call us and we will learn everything life insurance companies want to know about you. We’ll then use that information to sort through the policies offered by dozens of the top rated life insurance companies in the United States.

Then, we will make custom recommendations based on your needs: we will find you the very best life insurance policy for you!

If United Home Life Insurance is the best for you, then we will recommend them! If not, we’ll won’t. You never have to worry about our views or recommendations being biased; we make recommendations based exclusively on your needs!

Want to go beyond the United Home Life Insurance review and find your ideal life insurance policy? Call us today!

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