[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/united-home-life-insurance-company-review\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/united-home-life-insurance-company-review\/","headline":"2025 United Home Life Insurance Company Review + Rates","name":"2025 United Home Life Insurance Company Review + Rates","description":"Quick Navigation Links Show 1 United Home Life Insurance Company (UHL) Review 2 United Home Life & United Farm Family Life Ratings 3 Types of Life Insurance Offered By United Home Life 4 United Home Life (UHL) Term Insurance 5 Riders offered by United Home Life (UHL 6 United Home Life Whole Life Insurance 7.. More<\/a>","datePublished":"2020-02-26","dateModified":"2025-11-20","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/02\/united-home-life-insurance-company.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2020\/02\/united-home-life-insurance-company.png","height":750,"width":1200},"url":"https:\/\/www.easyquotes4you.com\/united-home-life-insurance-company-review\/","about":["Life Insurance"],"wordCount":1501,"articleBody":" Quick Navigation Links Show 1 United Home Life Insurance Company (UHL) Review 2 United Home Life & United Farm Family Life Ratings 3 Types of Life Insurance Offered By United Home Life 4 United Home Life (UHL) Term Insurance 5 Riders offered by United Home Life (UHL 6 United Home Life Whole Life Insurance 7 Express Issue Deluxe 8 Express Issue Premier 9 Express Issue Whole Life 10 Guaranteed Issue Whole Life 11 UHL Accidental Death Insurance 12 United Home Life vs The Competition 13 Life Insurance for Diabetics 14 Final Thoughts 15 Frequently Asked Questions 16 Is United Home Life a reputable company? 17 Does United Home Life offer no exam life insurance? 18 How long has United Home Life been in business? United Home Life Insurance Company (UHL) ReviewToday we are going to review United Home Life Insurance Company and its parent company United Farm Family Life. We will go over their history, ratings, and what types of products that they offer.United Home Life Insurance Company was established in 1948 and has been offering life insurance coverage to consumers for over 70 years. It\u2019s parent company United Farm Family Life was started in 1937 and it\u2019s headquarters are located in Indianapolis, Indiana.Today, both companies have a combined $2 billion in assets and more than $20 billion of inforce life insurance polices. This positions United Home Life well to meets its obligations to there customers.The motto for United Home Life is \u201clife insurance made simple.\u201d They are one of the few companies that offer no exam life insurance to it\u2019s customers. United Home Life Insurance Company and United Farm Family Life offers a broad portfolio of simplified issue and guaranteed issue products. The philosophy of United Home Life Insurance Company is:We believe passionately that buying life insurance doesn\u2019t need to be complicated. We continually strive to simplify the application and underwriting process so that our policyholders can purchase life insurance coverage as simply as possible. United Home Life & United Farm Family Life RatingsUnited Home Life and United Farm Family Life both boasts strong ratings from A.M. Best. A.M. Best has been a leading analyst of the insurance business since 1899. United Home Life Insurance Company is assigned a rating of \u201cA-\u201d (Excellent) while United Farm Family Life received an \u201cA\u201d (Excellent) rating. Today, both companies have a combined $2 billion in assets and more than $20 billion of inforce life insurance polices. This positions United Home Life well to meets its obligations to there customers. The BBB or Better Business Bureau also give United Home Life an \u201cA-\u201d ratings. An \u201cA-\u201d rating with BBB means the majority of complaints have been resolved to the consumers\u2019 satisfaction.Types of Life Insurance Offered By United Home Life United Home Life Insurance Company offers a variety of life insurance products, such as:Term Life InsuranceWhole Life InsuranceGuaranteed Issue Whole LifeAccidental Death InsuranceUnited Home Life (UHL) Term InsuranceUnited Home Life offers a portfolio of simplified issue term life insurance. There term life is designed to cover a variety of consumers based on age, if you use tobacco, and health. Features of United Home Life\u2019s term product are:No routine medical exams, blood work, or physician\u2019s statements. Short application with yes\/no health questions to help us determine eligibility.Guaranteed level premiums for the length of the initial term period followed by premiums that increase annually. Guaranteed renewable coverage to age 95Coverage that can\u2019t be cancelled so long as premiums are paid on time. Riders and benefits that can help tailor these products to your particular needs. United Home Life offers 4 different types of term life insurance:Simple Term 20\u2013 Level death benefit with a 20 year premium guarantee.Simple Term 30\u2013 Level death benefit with a 30 year premium guarantee.Simple Term 20 w\/Return of Premium\u2013 Level death benefit with 20 year premium guarantee. At the end of 20 years all premiums paid in are returned.Simple Term 20 DLX\u2013 Level death benefit with an initial 20 year premium guarantee. After 20 years, premiums increase on an annual basis.Riders offered by United Home Life (UHLAll the term life products offered by UHL come with the terminal illness rider which allows you to access up to 80% of your death benefit early if you are diagnosed as terminally ill.Other riders offered at an additional cost are:Waiver of premium if you become disabledAccidental Death BenefitChild RiderUnited Home Life Whole Life InsuranceSimplified issue whole life or final expense insurance is for consumers who have had health problems in the past. These policies don\u2019t ask a whole lot of health questions which makes it easier to qualify for instant coverage. The main drawback of these types of policies is the limited face amounts available and the pricing. United Home Life Insurance Company offers a variety final expense policies. There are 3 policies offered:Express Issue DeluxeThis policy offers day 1 coverage and is used for consumers with some health problems. These policies come with a guaranteed premium and death benefit.Issue Ages: 20-80Face Amounts: $5K-$50KExpress Issue PremierThis policy offers day 1 coverage with a guaranteed premium and a variety of riders to help customize for your specific needs. This is very similar to the Express Issue Deluxe but comes with a higher death benefit option. It works well for consumers with type 2 diabetes or controlled high blood pressure Issue ages: 20\u201380Face amounts: $5,000\u2013100,000 (through age 60)Face amounts: $5,000\u201350,000 (ages 61-80)Express Issue Whole LifeThis is UHL\u2019s graded death benefit whole life policy. During the first two policy years, the benefit for death by natural causes is a refund of all premiums paid to date plus interest. Beginning day one of policy year three, the full benefit is payable to your beneficiary. For death due to accidental causes1 during the first two policy years, the full death benefit will be paid to your beneficiaryIssue ages: 25\u201380Face amounts: $2,000\u201325,000Year 1 pays refund of premium plus 12% interestYear 2 pays refund of premium plus 24% interestGuaranteed Issue Whole Life This is UHL\u2019s guaranteed issue whole life policy. This policy asks no health questions at all and you are guaranteed approval. Death benefits are limited to a maximum of $10K. UHL Accidental Death InsuranceUnited Home Life also offers an accidental death insurance called the Protector AD. This plan is an inexpensive addition to your existing life insurance coverage, not a replacement. The accidental death benefit doubles over 20 years and the premium is guaranteed for 20 years.After 20 years the premium increases on an annual basis. These policies also come with a return of premium rider and only asks one non health question on the application.Guaranteed issue if you have a good driving history and are not involved in high-risk hobbies or employmentIssue ages: 18\u201360Level premiums with \u201cROP\u201d at year 203 amount are available: $50,000, $75,000 $100,000United Home Life vs The CompetitionLife Insurance for DiabeticsIf you are diabetic, especially insulin dependent, then you know how hard it is to qualify for life insurance. This is where United Home Life can help. They offer day one coverage to insulin dependent diabetics up to $50,000 of coverage. You can choose either there term life or whole life product. Both offer:Up to $50,000 in coverage! Premiums that are guaranteed. Optional Accidental Death Benefit Rider and Child Rider. Simple application with yes\/ no health questions to help us determine eligibility. No medical exams or bodily fluids testing. You may still be considered, even if you\u2019ve been declined by another carrier! Final ThoughtsIf you are looking for a small final expense policy then United Home Life could be a fit for you. They specialize in final expense products and have a variety of products that fits most consumers. They are highly rated and been insuring consumers for over 70 years. But it is still important to work with an independent agent who can shop all the carriers to find what best fits your situation. If we can help you with this process please don\u2019t hesitate to give us a call.Frequently Asked Questions\t\t\t\t\t\tIs United Home Life a reputable company?\t\t\t\t\t\t\t\t\t\t\t\t\t\tUnited Home Life Insurance Company is assigned a rating of \u201cA-\u201d (Excellent) while United Farm Family Life received an \u201cA\u201d (Excellent) rating. Today, both companies have a combined $2 billion in assets and more than $20 billion of inforce life insurance polices. This positions United Home Life well to meets its obligations to there customers. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDoes United Home Life offer no exam life insurance?\t\t\t\t\t\t\t\t\t\t\t\t\t\tThe motto for United Home Life is \u201clife insurance made simple.\u201d They are one of the few companies that offer no exam life insurance to it\u2019s customers. United Home Life Insurance Company and United Farm Family Life offers a broad portfolio of simplified issue and guaranteed issue products. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHow long has United Home Life been in business?\t\t\t\t\t\t\t\t\t\t\t\t\t\tUnited Home Life Insurance Company was established in 1948 and has been offering life insurance coverage to consumers for over 70 years. 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