United Home Life Insurance Review [2021]

United Home Life insurance policies are a great option for people who don't have too many life insurance options open to them. This company offers term and whole life insurance products, and they even have a number of policy riders that can often be added for little to no extra fee. United Home Life insurance offers hope to people who have been turned down for insurance coverage in the past.

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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 in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • This company was founded on the heels of the great depression in 1937; it was originally named United Farm Family Life Insurance Company
  • In 1948 United Home Life Insurance Company joined United Farm Family; both of these companies still exist today and operate together
  • This life insurance company specializes in offering simplified life insurance policies in a constantly evolving life insurance marketplace

United Home Life offers life insurance products primarily to people who are looking for no medical exam life insurance. Many people in poor health or with health conditions have been able to get life insurance coverage from United Home Life when other companies have turned them down.

Unlike many other no medical exam life insurance companies, United Home Life offers both whole and term life insurance policies. Plus, United Home Life Insurance also offers a diabetes-specific life insurance policy for people who are required to take insulin.

United Home Life has been a life insurance option that many people have turned to when they have had very few options elsewhere. This company offers a range of quality life insurance products that we will review in greater detail below.

United Home Life may be the company for you. If you’re ready to compare life insurance rates from the top companies in your area, enter your ZIP code above to get life insurance quotes from companies near you.

What are United Home Life’s rates?

United Home Life Insurance does not publicize their term or whole life insurance rates. If you want to get United Home Life insurance rates, you will need to contact an agent. You cannot even get a life insurance quote from this company on their website.

Keep in mind that while there are no medical exams required to get life insurance coverage from United Home Life, your health, lifestyle, age, and other factors will affect the rate you receive from this company.

If you want to compare affordable United Home Life insurance quotes with other companies, you will need to get in contact with a United Home Life insurance agent.

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What life insurance policies are sold by United Home Life?

United Home Life sells term life insurance, whole life insurance, and accidental death insurance. There is no medical exam required to get any of the life insurance policies sold by United Home Life.

This life insurance company doesn’t offer the robust life insurance policies that you will find from other providers. Still, United Home Life insurance policies can be a great choice for people who have been turned down for coverage from other companies.

Let’s take a closer look at some of the specific features of the main United Home Life insurance policies.

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What should I know about United Home Life’s term life insurance?

This company’s term life insurance options come in two different term lengths of 20 or 30 years. Most other life insurance companies offer a wider variety of term lengths for consumers to choose from.

United Home Life allows customers to continue to renew their term life insurance after their initial term expires until they reach the age of 95. All term life insurance policies come with additional riders, and in most cases, United Home Life will not charge additional fees for these extra coverages. Riders include:

  • accidental death benefit
  • child rider
  • terminal illness accelerated benefit

United Home Life also offers a return of premium term life insurance policy with a 20-year term. At the conclusion of the 20-year term, all premiums paid into the policy are returned to the policy-holder as long as there was no lapse in policy coverage or any missed premium payments.

What should I know about United Home Life’s whole life insurance?

United Home Life has a number of different whole life insurance policies that can be tailored to meet your specific needs. However, there are two main types of whole life insurance policy that they offer simplified-issue and guaranteed issue whole life insurance.

United Home Life offers several different simplified-issue whole life insurance policies for people who meet the health requirements. While there is no medical exam component, you will be asked about your health, and the company will verify the status of your current health before your policy is written.

Guaranteed issue whole life insurance is guaranteed coverage. You cannot be turned down for this life insurance coverage no matter how poor your health is. As long as you are under the age of 100, you can get a guaranteed issue whole life insurance policy from United Home Life.

All whole life insurance policies remain in effect for the duration of your life as long as your premiums are paid. Whole life insurance policies also grow a cash value over time that can be borrowed against should the financial need arise.

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Can you view and manage your United Home Life insurance policy online?

Despite not being able to get an online quote. You can manage your United Home Life policy online on the company website. All you need is your United Home Life login information to access your account. When you purchase a policy from this company, they should provide you with all the details you need to set up your online account.

What is the financial strength of United Home Life?

United Home Life has a financial strength rating of A- from A.M. Best, a financial rating company. This is one of the highest financial ratings offered by the company. This indicates that United Home Life is in a strong financial position.

If you are a United Home Life policy-holder or want to buy United Home Life, you can rest easy knowing that this company is in a strong financial position and should be able to make all benefit payments on time and in full.

United Home Life Insurance: The Bottom Line

This life insurance company is great for people with few options, but if you are looking for a robust life insurance policy with a lot of options, you would be better-served shopping elsewhere.

United Home Life Insurance provides lots of options, but it may not be the right company for you. If you’re ready to compare life insurance quotes from the top companies in your area, enter your ZIP code below.

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