Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 19, 2021

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The Facts of Life

  • United Home Life has a more diverse life insurance selection thank Oxford
  • Oxford Life has cheaper burial insurance rates for male and female policyholders than United Home Life.
  • Both companies have the same A.M. Best rating

Comparing Oxford vs. United Home Life insurance can help you determine which company can best meet your final expense burial insurance needs.

However, your Oxford vs. United Home Life insurance quotes will depend on age, gender, health, and policy limit.

So how much are Oxford and United Home Life insurance rates? Our guide explains everything you need to know about affordable Oxford vs. United Home Life insurance, insurance products, and third-party ratings.

Read on to learn more about Oxford vs. United Home Life insurance. Use our free comparison tool above to compare the best companies in your local area.

Oxford vs. United Home Life Insurance: Which company has more life insurance products?

Oxford Life Insurance Company has three life insurance policies. Two of them are burial insurance policies, and one of them is a whole life insurance plan.

United Home Life has whole life insurance, term life insurance, accidental death insurance, and life insurance for diabetics. Each policy can be customized with riders to cover the gaps and ensure that you get what you need.

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How much are Oxford vs. United Home Life insurance rates?

We searched for sample rates from Oxford’s Prosperity Select policy but we were unable to find any. Even United Home Life maintains private rates for its life insurance policies.

However, we did manage to locate burial insurance rates. Before you buy Oxford vs. United Home Life insurance, compare burial insurance rates at both companies.

Oxford vs. United Home Life Burial Insurance Rates by Age and $10K Policy Limit
Age of PolicyholdersOxford Life Monthly Burial Insurance Rates for Non-Smoking Males w/ $10K Policy LimitOxford Life Monthly Burial Insurance Rates for Non-Smoking Females w/ $10K Policy LimitUnited Home Life Monthly Burial Insurance Rates for Non-Smoking Males w/ $10K Policy LimitUnited Home Life Monthly Burial Insurance Rates for Non-Smoking Females w/ $10K Policy Limit
40N/AN/A$23$20
45N/AN/A$27$23
50$25$21$31$26
55$31$26$37$30
60$40$32$45$35
65$53$41$56$42
70$68$52$75$52
75$93$71$103$71
80$136$104$139$105
85$188$153NANA
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You can get policy limits up to $30,000, but we focused on policy limits of $10,000 to give you an idea of how burial insurance is calculated at Oxford Life and United Home Life.

The older you get, the more you’ll pay for burial insurance. United Home Life provides burial insurance for people as young as 40 years old. Meanwhile, Oxford starts burial insurance for customers at 50.

United Home Life is cheaper for 40-year-old customers, but Oxford appears to be cheaper for customers who are 50 years and older.

Do Oxford Life and United Home Life have good financial strength ratings?

Both life insurance companies have an A.M. Best rating of “A-,” which is the lowest “Excellent” grade an insurance company can receive. It means both companies have a stable financial outlook and an excellent ability to meet obligations to customers.

Oxford has a “B-” under the Better Business Bureau (BBB) and is not accredited. The company has had five complaints as of 2021, but only one complaint has been closed within the year.

United Home Life Insurance Company is accredited and carries an “A+” under the BBB. However, United Home Life has a one out of five-star rating under customer reviews.

Can you file an Oxford Life or United Home Life policy online?

Although Oxford has a website, its online presence isn’t as robust as United Home Life. You can only file a claim through Oxford Life Insurance Company customer service.

United Home Life allows customers to file a claim through its website. If you have access to a United Home Life login, you may be able to file your claim faster.

To contact Oxford Life and United Home Life customer service, contact them by phone at:

  • Oxford Life insurance phone number – 1-866-641-9999
  • United Home Life insurance phone number – 1-800-428-3001

Once you contact an agent, they’ll explain what you need to do next to file a claim. Make sure you have your policy number and other essential details to make a claim go smoothly.

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Oxford vs. United Home Life Insurance: What’s the bottom line?

Oxford Life Insurance Company provides cheaper rates for burial life insurance, but United Home Life has more flexibility in life insurance products.

United Home Life also appears to have a better handle on customer satisfaction.

It’s challenging to compare whole life insurance rates at both companies since the prices are private, but you should go with the company that works best for you.

Now that you know more about Oxford vs. United Home Life insurance, enter your ZIP code in the free online quote tool below to use the same comparison techniques on the best life insurance companies near you.