Who is the United Home Life Company?

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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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 Benji Carr

UPDATED: May 12, 2022

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Quick Facts

  • 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.

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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.

Top 20 Whole Life Insurance Companies by Market Share
CompaniesDirect Written PremiumsMarket Share
Northwestern Mutual$10,517,115,4526.42%
Metropolitan Group$9,821,445,9536.00%
New York Life$9,925,848,3005.68%
Lincoln National$8,769,303,7745.36%
John Hancock$4,640,905,0172.83%
State Farm$4,633,004,9632.83%
Minnesota Mutual Group$4,422,100,0282.70%
Guardian Life$4,033,541,4012.46%
Pacific Life$3,755,606,2132.29%
AXA Equitable$3,051,945,8491.86%
Voya Financial$2,526,828,2681.54%
Brighthouse Financial$2,519,733,1161.54%
Protective Life$2,403,640,8251.47%
Sammons Enterprises$2,321,529,7221.42%
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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.

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.

Average Annual Life Insurance Rates by Age and Smoker Status
Age and Smoker StatusAverage Male Annual Life Insurance RatesVersus Average Top 10 InsurersAverage Female Annual Life Insurance RatesVersus 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
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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.

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