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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

Issue Age

$2,000 to $200,000

Coverage

No

Medical Exam Required

Details

Policies Term, Whole
Coverage maximum $200,000
Term lengths 20 and 30-year with options to renew
Medical exam required No
Available states All 50 states
Issue age 20 to 80 years old

Pros

  • No medical exam
  • Diabetic policies
  • Customized policies
  • Robust waiver of premium rider

Cons

  • No online quotes
  • More expensive
  • No small-term life policies
Riders Accelerated death benefit rider
Accidental death benefit rider
Child rider
Critical illness benefit rider
Waiver-of-premium rider

Review by


Heather Petty is a personal finance writer at Finder specializing in home loans, banking and insurance. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing has been featured on MSN, Credit.com and MediaFeed.org, among others. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She holds a bachelor’s degree in English with a minor in journalism from the University of Nevada, Reno.

Expert review

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.

United Home Life insurance rates

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.

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How to get a quote from United Home Life insurance

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.

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 policy?

United Home Life offers several riders so you can customize your policy, including the following:

  • Accidental death benefit rider. Provides an additional one-time lump sum to your death benefit if your death is caused by a covered accident.
  • Accelerated death benefit rider. Allows you to take a percentage of your death benefit early if you are diagnosed with a terminal illness.
  • Child rider. Provides a small death benefit to help cover funeral expenses if one of your children dies while you are insured.
  • Critical illness benefit rider. Pays a lump sum benefit if you suffer a critical illness, like a stroke.
  • Waiver-of-premium rider. 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.

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, as of October 2020. 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.

AM Best financial rating A-
BBB accredited Yes
BBB rating A+
1/5 out of 1 customer reviews
Customer reviews verified as of 25 January 2021

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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.

Frequently asked questions about United Home Life insurance

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