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United Heritage

United Heritage is Idaho’s largest insurance company, and it also offers products and services in 37 other states plus the District of Columbia. United Heritage’s final expense plans are simple issue, which means that there are no medical exams or underwriting required during the application process. The company offers several plans for those ages 40 to 85 that have payable death benefits ranging from $1,000 to $35,000.

Why you need burial insurance

The average cost of a funeral in the United States is approximately $10,000. The cost is going up, too, as national estimates indicate an increase of between five and eight percent in funeral expenses on an annual basis. The $10,000 figure only includes basic funeral expenses, and does not factor in the costs of headstones, body transportation, cemetery fees, flower arrangements, compensation for time lost at work, or many of the other challenges that must be met during the planning of a funeral.

Burial insurance, also called final expense insurance, assists your loved ones in meeting the high cost of your funeral arrangements without breaking the bank. Burial insurance may even help your family in other ways, since final expense policies pay lump-sums in cash upon your death. This means that your family or other specified beneficiaries may use the money to pay for your funeral or for anything else they need. Burial insurance does not restrict your family to a certain funeral type, funeral home, or funeral location.

You should consider burial insurance if you:

  • Don’t have life insurance
  • Don’t have cash or savings to cover funeral costs
  • Don’t wish to put your family in debt for funeral expenses
  • You would like separate final expense and life insurance policies

How it works

Burial insurance costs depend on several variables, including your location, your health and any medical conditions, your age, your sex, and the coverage amount sought. Prices will also vary based on the company offering the insurance. Burial insurance usually features a monthly premium (sometimes annual premiums are offered) and a preset amount of coverage. For example, if you’re a 55-year old woman living in Mississippi, you can expect to pay somewhere around $50.00 per month for a $10,000 death benefit payout. If you’re an 80-year old man living in Massachusetts, you will pay quite a bit more per month for the same benefit, due to the high cost of living in Massachusetts and your advanced age. It’s worth noting that these figures are only estimates. You should contact your local insurance companies for more accurate quotes. In some instances, medical underwriting or answering a health-related questionnaire could lead to cheaper premiums.

How to get started

If you are already a United Heritage insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can contact the company using the information listed below or via its website. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A-, Stable outlook
Moody’s – Not rated
Standard & Poor – Not rated

Company contact info

United Heritage Life Company
PO Box 7777
Meridian, ID 83680
(208) 493-6100