United Home Life Insurance Company Review [2024]
The United Home Life Insurance Company has been in business for over 70 years and offers eight different life insurance policies. Two of its policies are designed to help individuals who have diabetes get as much as $50,000 in insurance coverage.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Feb 28, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Feb 28, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- United Home Life offers term and whole life insurance
- You can file a claim with United Home Life online
- United Home Life has received high ratings from both A.M. Best and the Better Business Bureau
You want to protect your loved ones after you’re gone, and buying a life insurance policy from the United Home Life Company may be able to help you leave a financial cushion for those you’ve left behind. United Home Life has been in the insurance business for over 70 years, and it sells insurance products that are more easily accessible to individuals who have a pre-existing condition like diabetes.
Keep reading to discover more about United Home Life’s insurance products and how you can easily file a claim with this company.
While you’re reading this United Home Life review, you can enter your ZIP to receive free insurance quotes from life insurance companies near you.
Who is the United Home Life Company?
Founded in 1948, United Home Life serves as a subsidiary of United Farm Family Life Insurance Company. While United Home Life calls Indianapolis its home, the company is licensed to provide insurance throughout the nation. You won’t be able to find a United Home Life insurance agent’s office anywhere as this company only sells its life insurance products through independent agents.
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Is United Home Life highly rated?
You won’t have to worry about United Home Life’s ability to pay out on claims because it has an A- rating from A.M. Best, which means that this company is on solid footing, financially speaking. United Home Life’s market share information isn’t shared on the company website, but if you are looking for financially strong life insurance, you can use this chart which displays the market share ratings of some of the best life insurance companies.
| Companies | Direct Written Premiums | Market Share |
|---|---|---|
| Northwestern Mutual | $10,517,115,452 | 6.42% |
| Metropolitan Group | $9,821,445,953 | 6.00% |
| New York Life | $9,925,848,300 | 5.68% |
| Prudential | $9,128,805,060 | 5.57% |
| Lincoln National | $8,769,303,774 | 5.36% |
| MassMutual | $6,854,713,057 | 4.19% |
| Aegon | $4,809,856,650 | 2.94% |
| John Hancock | $4,640,905,017 | 2.83% |
| State Farm | $4,633,004,963 | 2.83% |
| Minnesota Mutual Group | $4,422,100,028 | 2.70% |
| Guardian Life | $4,033,541,401 | 2.46% |
| Pacific Life | $3,755,606,213 | 2.29% |
| Nationwide | $3,364,808,181 | 2.05% |
| AIG | $3,336,397,453 | 2.04% |
| AXA Equitable | $3,051,945,849 | 1.86% |
| Voya Financial | $2,526,828,268 | 1.54% |
| Brighthouse Financial | $2,519,733,116 | 1.54% |
| Protective Life | $2,403,640,825 | 1.47% |
| Primerica | $2,375,786,190 | 1.45% |
| Sammons Enterprises | $2,321,529,722 | 1.42% |
You should also know that the United Home Life Insurance Company is a Better Business Bureau (BBB) accredited business and has an A+ rating. While the company has a one-star rating on the BBB, it is important to note that there is only one review on that site.
Read more:
- ING (Voya Financial) Life Insurance Review
- MassMutual Life Insurance Review
- Primerica Life Insurance Review
What types of life insurance products does United Home Life offer?
United Home Life offers a total of eight term and whole life insurance products. These products are as follows:
- Simple Term 20
- Simple Term 30
- Simple Term 20 ROP
- Simple Term 20 DLX
- Express Issue Whole
- Express Issue Premier
- Express Issue Deluxe
- Provider
Two of the plans on this list are designed to help individuals diagnosed with diabetes get the coverage they need to protect their loved ones. You can get up to $50,000 in coverage if you purchase the Express Issue Deluxe Whole Life or the Simple Term 20 DLX, a term policy.
These policies don’t require you to take a medical exam, but you will need to answer a few health questions when you apply. You can even purchase riders like an accidental death benefit rider or a child rider.
If you’ve been declined by another insurance company due to your diabetes diagnosis, you may want to consider submitting an application for one of these policies.
United Home Life doesn’t offer an online quote tool or even an agent finder tool. Bearing that in mind, if you would like to get an idea of what you may pay for life insurance, you can use this data that illustrates the average rates issued to individuals of different ages and who have different smoking habits.
| Age and Smoker Status | Average Male Annual Life Insurance Rates | Versus Average Top 10 Insurers | Average Female Annual Life Insurance Rates | Versus Average Top 10 Insurers |
|---|---|---|---|---|
| 25-Year-Old Non-Smoker | $152.00 | -$26.54 | $158.00 | -$2.57 |
| 35-Year-Old Non-Smoker | $160.00 | -$25.04 | $164.00 | -$1.91 |
| 45-Year-Old Non-Smoker | $245.00 | -$22.89 | $262.00 | +$21.75 |
| 55-Year-Old Non-Smoker | $696.00 | +$171.05 | $414.00 | +$7.06 |
| 65-Year-Old Non-Smoker | $1,416.00 | +$142.88 | $924.00 | +$43.34 |
| 25-Year-Old Smoker | $346.00 | +$24.24 | $210.00 | -$38.75 |
| 35-Year-Old Smoker | $416.00 | +$55.77 | $252.00 | -$34.18 |
| 45-Year-Old Smoker | $739.00 | +$101.49 | $464.00 | -$29.20 |
| 55-Year-Old Smoker | $1,428.00 | +$63.91 | $864.00 | -$127.63 |
| 65-Year-Old Smoker | $2,868.00 | -$377.05 | $1,884.00 | -$351.31 |
| Average Non-Smoker | $533.80 | +$47.89 | $384.40 | +$13.53 |
| Average Smoker | $1,159.40 | -$26.33 | $734.80 | -$116.21 |
As you can see, rates can vary wildly from person to person, but eating healthy foods and exercising regularly are two strategies that could help you receive a lower rate on your life insurance quotes. If you would like a local agent in your area to get you a quote from United Home Life, you may be able to call the company directly and ask a United Home Life customer service representative for assistance.
Is it easy to file a claim with United Home Life?
Filing a claim with United Home Life is so simple you won’t even have to bother remembering your United Home login information. There is a form directly on the company website that you can fill out and submit online. You can also print the form out to save a copy for your records. Or you can mail your claims form to United Home Life’s claim department.
If you would like to follow along with how your claim is progressing, you may need to call the United Home Life phone number from time to time, but bear in mind that United Home Life doesn’t offer a 24-hour customer service line. You will only be able to reach out to United Home Life Monday-Friday from 8 a.m.-6:30 p.m. EST.
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What You Need to Know About United Home Life
So, is United Home Life Insurance Company a rip-off or a good investment for your financial future?
Since there isn’t any evidence on the company’s website that allows for any examination of United Home Life’s insurance rates, it is unclear if its policies are expensive. That being said, the United Home Life Insurance Company has remained in business for over 70 years by selling its policies through independent agents. This is a good sign that speaks to its customer service and quality of the life insurance products that United Home Life provides. Still, it would be a good idea to look over some United Home Life Insurance reviews before making a decision.
While you won’t be able to get a free quote through United Home Life’s website, you may be able to call in and ask for assistance in finding a local agent. Contacting a local agent may also be your best strategy for learning more about potential riders offered by United Home Life as well.
Now that you’ve concluded this United Home Life review, you can feel confident to start shopping for your own life insurance policy. Enter your ZIP code to start comparing free life insurance quotes today.
Frequently Asked Questions
What is United Home Life Insurance?
United Home Life Insurance is a company that provides various life insurance products and solutions to individuals and families. They offer policies designed to protect your loved ones financially in the event of your death.
What types of life insurance does United Home Life Insurance offer?
United Home Life Insurance offers several types of life insurance, including term life insurance, whole life insurance, and final expense insurance. Each type of policy has different features and benefits to meet the specific needs of policyholders.
What is term life insurance?
Term life insurance is a type of life insurance that provides coverage for a specific period, usually 10, 20, or 30 years. If the insured individual passes away during the policy term, a death benefit is paid out to the designated beneficiaries. Term life insurance typically offers the most affordable premiums.
What is whole life insurance?
Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual, as long as the premiums are paid. It offers a death benefit to beneficiaries upon the insured’s death and also includes a cash value component that grows over time.
What is final expense insurance?
Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy that is specifically designed to cover the costs associated with a person’s funeral and other final expenses. It offers a smaller death benefit compared to other types of life insurance policies.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
