United Home Life insurance review
Get term or whole life insurance without taking a medical exam.
finder.com's rating: 3.5 / 5
- Get a quote if you’ve been denied life insurance in the past due to a medical issue.
- Pick something else if you want the lowest rate or a short-term policy.
20 to 80
$2,000 to $200,000
Medical Exam Required
|Free quote||By phone|
|Available states||All 50 states|
|Policy options||Term, Whole|
|Term lengths||20 and 30-year with options to renew|
|Issue age||20 to 80|
|Coverage||$2,000 to $200,000|
|Medical exam required||No|
|Monthly cost||No info available|
|Claim methods||Phone, Online|
|Customer support||Phone, Email|
|Riders||Accelerated death benefit rider, Accidental death benefit rider, Child rider, Critical illness benefit rider, Waiver-of-premium rider|
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.
If you want numerous options with no medical exam requirements, United Home Life insurance might be the right fit for you. But if lower premiums makes the medical exam worth it to you, take some time to compare other life insurance providers with more traditional offerings.
What types of life insurance coverage does United Home Life offer?
United Home Life specializes in simplified issue life insurance products, which require no medical exams, bloodwork or physician’s statements. You do have to fill out a short medical questionnaire and have a personal history interview with an underwriter. But if you’re accepted, your policy comes with free riders and a premium that’s guaranteed never to increase.
Whole life insurance
United Home Life offers five whole life products with a variety of coverage options and customizations. The following whole life policies are available:
- Whole life. Comes with special benefits and no-cost riders depending on the face amount of the policy and your stage of life. For example, it can be a starter policy purchased for a child, but includes discounted premium rates for qualifying customers in every stage of life.
- Simplified issue whole life. Comes with an immediate benefit plus a terminal illness accelerated benefits rider at no added cost.
- Simplified issue graded benefit. This policy is graded-benefit insurance, meaning that if you die of natural causes during the first two years after the policy is issued, instead of a death benefit, the premiums you paid into the policy are returned with interest. Accidental death pays out the full death benefit from day one of the policy.
- Simplified issue for diabetics. Designed for insulin-dependent diabetics who often can’t find coverage elsewhere with up to $50,000 in coverage.
- Guaranteed issue. Designed for customers age 50 and up, this graded-benefit insurance coverage is guaranteed, meaning you can’t be turned down because of your health. Your death benefit doesn’t pay out until the third year for death by natural causes.
Term life insurance
United Home Life offers four term life insurance options with no required medical exam and unique options and riders to customize your coverage. All term policies come with a no-cost terminal illness accelerated benefits rider. The following term life policies are available:
- 20-year term. A 20-year term policy that is guaranteed renewable at the end of the term, but premiums will increase annually after the initial term.
- 30-year term. Similar to the 20-year term policy, guaranteed renewable at the end of the term, but premiums increase annually after the initial term.
- 20-year term with return of premiums. Similar to the simple term 20 policy, but with a return of premium rider included that guarantees a cash value equal to 20 times the annual premium if you don’t die during your term.
- 20-year term for high-risk diabetics. A 20-year term life insurance designed to cover insulin-dependent diabetics who often can’t get life insurance elsewhere. Offers up to $50,000 in coverage with no medical exam.
What riders can I add to my life insurance policy?
United Home Life offers several riders so you can customize your policy, including the following:
- Child. Provides a small death benefit to help cover funeral expenses if one of your children dies while you are insured.
- Accidental death benefit. Provides an additional one-time lump sum to your death benefit if your death is caused by a covered accident.
- Terminal illness accelerated benefit. Allows you to take a percentage of your death benefit early if you are diagnosed with a terminal illness.
- Life-threatening cancer accelerated benefit. Allows you to take a percentage of your death benefit early to help cover treatments if you are diagnosed with a life-threatening form of cancer.
- Waiver of premium. United Home Life offers several riders that allow you to waive your premium if you are the victim of identity theft, have an extended hospital stay or suffer total and permanent disability.
- Common carrier accidental death benefit. Pays an additional lump sum benefit if your death is the result of an accident while riding public transportation.
- Charitable gift donation. Pays a percentage of your death benefit to a charity of your choosing without decreasing the death benefit paid to your beneficiaries.
How much does United Home Life insurance cost?
United home Life doesn’t offer an online quote system, but with no medical exam or physician’s statements, your policy rate is based mostly on your age and whether or not you’re a tobacco user.
United Home Life charges significantly more for tobacco users. For example, a 35-year-old buying an express issue 30-year term life policy for $25,000 may pay a base rate of $87.50 per year as a non-smoker, where a smoker might pay $176.25 for that same policy. The best way to save on your policy is to quit smoking and reduce other high-risk activities.
Pros and cons of United Home Life insurance
- No medical exam. None of United Home Life’s insurance policies require medical exams or bloodwork.
- Diabetic policies. If you have insulin-dependent diabetes, United Home Life offers both a term and whole life policy option that you qualify for, even if you’ve been turned down by other insurers.
- Customized policies. You have a lot of policies to choose from, and a wide variety of add-ons to allow you to customize your policy to best fit your coverage needs.
- Robust waiver of premium rider. Where most insurers only waive your premium due to a permanent disability, United Home Life will also waive premiums if you become a victim of identity theft or have an extended hospital stay.
- No online quotes. To get a quote on your possible insurance rate, you have to contact customer service or find an agent who sells United Home Life policies.
- More expensive. United Home Life’s policies are all simplified or guaranteed issue policies, which tend to be more expensive than those that require a medical exam.
- No small-term life policies. United Home Life only offers 20- and 30-year term policies. If you want 10- or 15-year term life insurance, you’ll need to look elsewhere.
Compare alternatives to United Home Life
United Home Life insurance reviews and complaints
United Home Life Insurance is accredited by the Better Business Bureau with an A+ rating and only two customer complaints. There are no online customer reviews available on any of the typical review sites, which makes it hard to rate the company on its service. The company does have an A- financial stability rating from AM Best, and has been in the insurance business for 71 years.
How do I sign up?
To get an insurance quote and apply for a policy, contact United Home Life customer service at 800-428-3001 or by email at Life.ContactCenter@unitedhomelife.com.
How do I file a claim with United Home Life?
Click File a Claim on the company homepage and fill out the online form, or download the forms and mail or fax them to United Home Life.