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United Home Life Insurance is an Indiana-headquartered private insurance company that was formed in 1937. It started out as a mutual insurance firm that takes care of the properties and homes of farmers, under the name United Farm Family Life. With the motto “life insurance made simple,” United Home Life operates today to provide Americans with a seamless and easy-to-access option for acquiring insurance, regardless of one’s health status and will soon be offering a new Medicare supplement plan.

Today, United Farm acts as the parent company of UHL, which has since grown and evolved to offer a wide range of protection products, like term life and universal life. Together, the companies handle more than $2 billion in assets and over $20 billion in in-force life insurance plans (2019 figures).

The company offers a range of term life and universal life (whole life) insurance products, as well as policies covering accidental death. What sets United Home Life apart from most private policy sellers is that it has plans that do not require any physical examination or medical underwriting prior to purchasing. This so-called “guaranteed issue” policies apply to both term life and permanent life plans.

Some of the insurance products that United Home Life sells are:

• Express Issue Whole Life Insurance (Graded) for ages 25 to 80 years, and with benefits up to $25,000.
• Express Issue Whole Life Insurance (Simplified): for ages 20 to 80 years, and with benefits reaching $100,000 (though those aged 61 to 80 have a maximum benefit of $50,000)
• Accidental Death Benefit (add-on): also called Protector AD and is guaranteed for 20 years

United Home Life also provides term and whole life insurance for diabetics aged 20 to 80 years, with an immediate death benefit and with no need to undergo medical exams or body fluids testing. Face Amounts can go as high as $50,000.

• United Home Life will be adding a comprehensive Medicare supplement policy to it’s offerings in 2021.