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United Home Life Insurance


United Home Life is one of the leading final expense life insurance companies.  They specialize in offering no exam life insurance – up to $150,000 of coverage with no medical exam required.   The company maintains an A- financial rating by A.M. Best, and offers some of the lowest premiums for no exam policies in the industry.  Their guaranteed life insurance policy also includes a higher interest payment than other companies with similar policies.  United Home Life offers the following products:

Express Issue Whole Life – A whole life insurance policy with no medical exam required, specifically designed for individuals who are unable to qualify for fully underwritten coverage.  The policy includes a “graded” death benefit.  If death occurs in the first year of coverage, all premiums are returned plus 12% interest.  If death occurs in the second year, all premiums are returned plus 24% interest.  The full death benefit is paid beginning in the third year of coverage.  Accidental death is paid the full benefit in all policy years.  No height and weight limitations.  Minimum benefit of $2,000 and maximum benefit of $25,000, issue ages 25-80 years old.

Express Issue Deluxe Whole Life – A whole life insurance policy with no exam required and the full death benefit paid from the first day of the policy.  Excellent product for high risk life insurance.  Minimum benefit of $5,000, maximum benefit of $50,000.  Issue ages 20-80 years old.

Express Issue Premier Whole Life – Similar to Deluxe Whole Life, but with a maximum benefit of $100,000 ($50,000 for ages 60-80).  Minimum benefit of $5,000, slightly more restrictive underwriting than Deluxe Whole Life.  

Whole Life Provider – United Home Life’s lowest cost whole life insurance product with no medical exam required.  Applicants must be in generally good health to qualify and an extra discount is offered for applicants in preferred health.  Minimum benefit of $10,000, maximum benefit of $150,000 (depending on age).   Several extra benefits offered at no charge, please contact for details.

Graded Benefit Term – Similar to the Express Issue Whole Life described above, but with death benefits only guaranteed for 10 years at a lower cost.

Express Issue Term Deluxe 20 and Term Deluxe to Age 65 – Similar to the Express Issue Deluxe Whole Life, but with death benefits only guaranteed either for 20 years or until age 65 (depending on product chosen).

Premier 20, Premier 30, Premier 65 – A return of premium term life insurance policy with no medical exam required and death benefits fixed and guaranteed for your choice of 20 or 30 years, or up to age 65 regardless of age.  All premiums paid are returned to the policy owner after the term period expires.  $25,000 minimum benefit, up to $200,000 coverage available depending on age.  

Express Issue Term plus and Term 30 – Similar to the Premier plans described above, but with no minimum benefit required and additional optional benefits available.

To get a quote for a United Home Life product, please call us at 1-800-571-2980 or click on the banner below and fill out the short form to compare with more of the best life insurance companies. You can also e-mail us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it 24 hours a day.


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