LIFE INSURANCE MADE SIMPLE UNITED HOME LIFE A- (Excellent) from - PowerPoint PPT Presentation

LIFE INSURANCE MADE SIMPLE

UNITED HOME LIFE A- (Excellent) from A.M. Best. For Agent Use Only. Not For Use With The General Public. Fourth highest of 16 ratings.  Parent company: United Farm Family Life.  Family-oriented company. Primary focus: providing affordable, flexible life insurance solutions for our policyholders.

UHL OFFERS CLIENTS Life insurance coverage specific to your needs without invasive medical exams or pages of questions about your medical and health history. Simple application process. Affordable coverage. Peace of mind.

FINAL EXPENSE PORTFOLIO

PRODUCTS Three final expense whole life products, designed to cover a range of individuals based on age, tobacco usage, and health: Express Issue Deluxe.  Express Issue Premier.  Express Issue Whole Life (2-year graded death benefit):   Policy year 1: Return of premiums paid plus 12% interest.  Policy year 2: Return of premiums paid plus 24% interest.  Full benefit payable if death occurs due to accidental causes in the first two policy years. *Oral fluids/HIV testing collected by a paramed is required for WI applicants.

FEATURES No routine medical exams, blood work or physician’s statements. A simple phone interview with an experienced underwriter. Guaranteed death benefit and cash values. Affordable premiums that never increase. Coverage that cannot be cancelled so long as premiums are paid. Riders and benefits that can help tailor products to meet your specific needs.

GUARANTEED ISSUE WHOLE LIFE

GUARANTEES Guaranteed issue. For Agent Use Only. Not For Use With The General Public. Guaranteed coverage. * Guaranteed premiums. *Limitations apply policy years 1-3.

FEATURES Graded death benefit policy years 1-3: For Agent Use Only. Not For Use With The General Public. Policy Year 1: Return of premiums paid + 6% interest.  Policy Year 2: Return of premiums paid + 12% interest.  Policy Year 3: Return of premiums paid plus 18% interest.  Full benefit payable if death occurs due to accidental causes  in the first three policy years. Offers permanent coverage to age 100 * . No health questions, no medical exams, no phone interview. Cannot be turned down. *Guaranteed Issue Whole Life is an endowment policy with a benefit payable on the policy’s maturity date or at the insured’s death prior to age 100.

DISCLOSURES Product issued by United Home Life Insurance Company or  United Farm Family Life Insurance Company, Indianapolis, IN. WL policy form numbers: 200-376, 200-466, 200-670 (UHL); 18-  376, 18-466, 18-670 (UFFL). Product availability varies by state.  Rider availability varies by product.  Issue ages vary by product and by state.  Exclusions and limitations may apply. See policy for details. 