United Home Life No Exam Life Insurance

What does my quote mean?

Using the many comments we have received from customers over the years, we have put together this basic explanation of your no exam life insurance quote. Once approved for your insurance, you will have the opportunity to review your new policy and decide to keep it, make changes or just cancel it (no money is needed to apply.)

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Brief Plan Explanation

Challenge: How to purchase whole life insurance with no delay, inconvenience or red tape…even if you are not in good health.

Solution: The primary feature of these extraordinary new whole life insurance policies is that they cover the full spectrum of health problems and that they can be issued to you without delay and inconvenience normally associated with applying for other types of life insurance. Although you cannot be guaranteed coverage, chances are that you will qualify for one of our products. There are no long application forms to fill out and no routine medical exams or blood tests to schedule and keep. Your agent will ask you questions about yourself and within days your insurance policy can be yours, backed by a financially-sound company that has been serving insureds for more than 50 years.

Challenge: Finding a whole life insurance policy that can provide a substantial amount of coverage, while maintaining its emphasis on affordability .

Solution: Total Protection Series III . Sometimes people are forced to choose whole life insurance coverage based on what they can afford instead of what they need. United Home Life Insurance is offering a whole life insurance portfolio that helps solve this dilemma. The Total Protections Series III was designed with value and convenience in mind. This means it can be easier than ever to purchase the coverage necessary to address many, if not all your needs. Plus , by adding the benefits available with this policy, you can tailor a plan that caters to your specific situation.

Total Protection Series III - Plan Options

Express Issue Whole Life

Virtually Guaranteed Issue. The issuance of the policy depends upon answers to 3 health questions in the application.
Issue ages are 25 to 80; CA: 45-80. Maximum death benefit that can be purchased is $50,000.
Guaranteed Cash Values.
Graded death benefit in first 2 years:
1st year: return of premium plus 12%
2nd year: return of premium plus 24%
Full death benefit is paid in the first 2 years if death is accidental.

Express Issue Whole Life Deluxe

Simplified issue- 6 health questions.
Issue ages are 20-80. Maximum death benefit that can be purchased is $50,000.
Guaranteed cash values.
Immediate death benefit.
Child rider available.
Accidental Death rider available.

Express Issue Whole Life Premier

Simplified Issue- expanded medical questions.
Issue ages are 20-60. Maximum death benefit that can be purchased is $100,000.
Issue ages are 61-80. Maximum death benefit that can be purchased is $50,000.
Guaranteed cash values.
Immediate death benefit.
Child rider available.
Accidental Death rider available.

*Based on current income tax regulations. The information in this brochure is subject to the terms of Policy Form Numbers: Express Issue Whole Life 200-376 Express Issue WL Deluxe/Premier 200-466