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The Order of United Commercial Travelers of America, or UCT for short, is a non-profit financial services fraternal organization with nearly 55,000 members in the United States and Canada. UCT’s offers a final expense plan that may be used for funeral costs and other end-of-life expenses. The plan features guaranteed premium rates, death payouts up to $25,000, and is available for individuals aged 18 to 80.

Do I have to use burial insurance benefits on funeral expenses?

After the death of the policyholder on a final expense or burial plan passes away, the policy beneficiary can use the lump-sum payment in any manner that suits them. Many beneficiaries do use all or part of the burial insurance payment for burial expenses. The average cost of a small funeral in the United States is $10,000. However, burial expense insurance payouts do not restrict the beneficiary in any way, and may be used for any purchase, bill, debt, loan, or expense.

How do you apply for burial insurance?

Applying for burial insurance can be accomplished in three basic ways. First, you can quickly and easily apply on the website of your preferred insurance company. You’ll need to enter your personal information, and you’ll probably have to fill out a basic medical questionnaire. Secondly, you may call the insurance company you’ve selected, either at a local number or a toll-free 800 number, both of which will be listed on the company’s website. Third, if the insurance company you’ve chosen is local, you may visit their offices in person and speak to a licensed agent or other live representative. Regardless of which option you choose, make sure that your insurance agent explains your policy and your responsibilities completely before you agree to sign up.

Do burial insurance premiums change?

The vast majority of burial or final expense insurance policies feature premiums that are guaranteed by the backing insurance company. This means that your premium payments will never rise over the life of your policy as long as you pay them on time. Your premium amount will be determined by a number of individual factors including your age, your sex, your current health, your family health history, and your location, just to name a few. While your premiums are guaranteed, some insurance policies offer what’s known as a staggered payout plan. This means that if you pass away and your policy expires before a certain amount of time has passed, your beneficiary may not receive all of the payout advertised when you signed up for the insurance. Your insurance agent can answer specific questions in this regard.

How to get started with UCT

If you are already a UCT member, you should contact your local office and inquire about a final expense policy. If you are a prospective member, you can connect with a representative by using the contact information below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – B+, Stable outlook
Moody’s – No rating
Standard & Poor – No rating

Company contact info

UCT Home Office
1801 Watermark Drive, Suite 100
Columbus, OH 43215
(800) 848-0123