Disclaimer: We are not United Home Life Insurance. We are an independent life insurance agency and this is our brutally honest United Home Life Insurance Review.
I’ll state this bluntly:
If you’re considering United Home Life for a life insurance policy, you can do MUCH better.
We used to represent United Home Life, but never saw a reason to ever use them. Other best term life insurance companies with better financial ratings and lower rates are available. This has been the case with every single client we’ve worked with.
You’ll find a lot of information from other life insurance agencies on the internet about United Home Life. They’re very popular to sell because (1) they have an easy to understand application so even the newest agents to the industry can understand and sell them, (2) they pay decent commissions and (3) they have annual sales trips that are among the lowest in the industry to qualify for.
Before you make your final life insurance purchase decision, we recommend looking into some other company reviews as well, such as our reviews on Zander Insurance or Primerica Life Insurance.
So of course you’ll get other life insurance agents that hop on board to push their products. Who wouldn’t want to go on a Mediterranean cruise and get paid high commissions for writing business with them?
Not us. We believe in finding the best priced life insurance policy from all the top rated companies on the market.
So just do yourself a favor and shop around. It doesn’t have to be with us (although we’d love the opportunity to earn your business).
Every United Home Life policy we come across, we’ve been able to replace with less expensive options from higher rated companies.
Overview of United Home Life
United Home Life Insurance Company has been around since 1948 and currrently carry an “A-” (excellent) rating with A.M. Best. (A.M. Best is the industry benchmark for financial strength in the life insurance industry.)
United Home Life specializes in final expense policies up to $50,000 where premiums are guaranteed level for the rest of your life. They have simplified their underwriting process to where you do not have to take a medical exam.
They have traditional final expense plans for those in good health and graded death benefit final expense plans for those in poor health.
However, nothing sets them apart from other companies. Everything I just listed can be done by another company out there for much lower rates.
Don’t trust the recommendations of other agents about United Home Life. We’ll find you a better priced policy with a better company.