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United Home Life

United Home Life has been selling insurance products and services for over 70 years. The company offers a simplified issue whole life insurance product intended for use as final expense or burial insurance. It features a guaranteed death benefit that never decreases as well as guaranteed premiums that never increase. United Home Life advertises itself as a company that covers a broad spectrum of individuals, from those who can easily qualify to those considered uninsurable by other carriers.

Why you need burial insurance

Funeral expenses in the United States average around $10,000. Each year, these expenses increase by average of five to eight percent. What’s more, the $10,000 figure only includes very basic funeral services. Things like headstone fees, cemetery fees, body transportation, and floral arrangements are not typically included.

Burial insurance is a way for you to help your surviving loved one meet the rising cost of a funeral. It may also benefit your loved ones in other ways. Burial insurance policies typically pay out in cash, which means that your beneficiary may spend this cash on anything that he or she chooses. Burial insurance does not bind your beneficiary to any particular funeral home, funeral type, or funeral location.

In summary, you should consider burial insurance if you:

  • Lack life insurance coverage
  • Lack cash or savings set aside for burial expenses
  • Prefer a separate burial policy and life insurance policy
  • Wish to prevent your family from having to pay for your funeral

How it works

Burial insurance costs depend on many factors, among them your age, your sex, your health, your health history, your location, and the type of insurance policy you desire as well as the payout amount. Burial insurance plans usually require a monthly premium payment, though some companies offer annual or other flexible payment plans.

If you are a 50-year old woman in good health who lives in Georgia, you can expect to pay approximately $50 per month for $10,000 worth of burial insurance. If you’re a 75-year old man living in New York, or you’re in poor health, you can expect to pay significantly more per month for the same amount of coverage. These figures are only estimates. The exact amount of your coverage and premiums will likely vary. In some cases, medical underwriting or answering a health-related questionnaire may lead to lower premium rates.

How to get started

If you are already a United Home Life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote on the company’s 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 Home Life Insurance
225 S. East St.
Indianapolis, IN 46202
(800) 428-3001
UHL.PolicyService@unitedhomelife.com