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 fewer coverage options but provides specialty life insurance policies
  • Overall, Prosperity Life Group has more expensive burial insurance rates
  • Prosperity Life and United Home Life have the same A.M. Best rating

Do you want to compare Prosperity Life vs. United Home Life insurance? Prosperity Life Insurance Company and United Home Life Insurance Company are smaller life insurance providers with private rates.

How do they compare to the best life insurance companies? We’re here to help you find out. You’ll also learn what you need to know to get Prosperity Life vs. United Home Life insurance quotes, find out about each company’s insurance products, and learn about their third-party ratings.

Continue reading to learn more about affordable Prosperity Life vs. United Home Life insurance and which company is best. Use our free online quote tool above to compare the top companies in your local area.

Prosperity Life vs. United Home Life Insurance: Which company has more life insurance policies?

Prosperity Life Group has more life insurance policies and more Medicare supplement plans. However, United Home Life has specialty life insurance programs such as accidental death insurance and life insurance for people with diabetes.

Let’s compare Prosperity Life and United Home Life policies.

Prosperity Life vs. United Home Life Policies
Prosperity Life Insurance Policies (SBLI)United Home Life Insurance Policies
Final ExpenseTerm Life
Graded Death Benefit TermSimplified Issue Whole Life
Income Continuation TermGuaranteed Issue Whole Life
Renewable & Convertible TermAccidental Death Insurance
Simple Issue TermLife Insurance for Diabetics
Whole Life
Single-Premium Universal Life
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United Home Life has term life insurance and two whole life insurance plans. Meanwhile, Prosperity Life has four-term life insurance programs and three permanent life insurance policies.

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

Before deciding whether to buy Prosperity Life vs. United Home Life insurance, you will want to know the cost of each. You won’t be able to create a United Home Life login or Prosperity Life login until you’ve purchased a policy.

So how much does life insurance cost? Let’s compare final expense burial insurance rates at both companies.

Prosperity Life vs. United Home Life Non-Smoking Average Monthly Burial Insurance Rates by Age, Gender and $10K Policy Limit
Age of PolicyholdersProsperity Life Monthly Burial Insurance Rates for Non-Smoking Females Prosperity Life Monthly Burial Insurance Rates for Non-Smoking Males United Home Life Monthly Burial Insurance Rates for Non-Smoking Females United Home Life Monthly Burial Insurance Rates for Non-Smoking Males
40N/AN/A$20$23
45N/AN/A$23$27
50$29$35$26$31
55$30$38$30$37
60$36$46$35$45
65$44$58$42$56
70$59$80$52$75
75$80$114$71$103
80$98$148$105$139
85N/AN/ANANA
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Not only is United Home Life cheaper, but it also provides burial insurance for potential customers as young as 40. Prosperity Life Group starts burial insurance at 50.

If you’re a smoker, your burial rates will increase by $15 to $25 per month. Smokers are high-risk policyholders, and life insurance providers drive up rates to balance out the lower life expectancy chance.

Do Prosperity Life and United Home Life insurance have good financial strength ratings?

Prosperity Life and United Home Life have an “A-” from A.M. Best. This rating means that both companies have a stable financial outlook and have an excellent ability to meet obligations to customers.

Can you file a Prosperity Life or United Home Life insurance claim online?

While agents can access policies through the Prosperity Life provider portal or United Home Life agent login, you’ll need to start a claim first. You can do that through both companies’ websites.

When you visit Prosperity Life Group’s website, you’ll see a link at the top right of the webpage called “Start a Claim.” Click the link and follow the instructions once the page loads.

United Home Life and its affiliate, United Farm Family, allow you to file a claim through the “Report A Claim” link. Follow the webpage to start a claim.

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

Prosperity Life and United Home Life have the same ratings, but United Home Life is cheaper. However, Prosperity Life has more options for individuals and employers.

The best company for you is the one that can meet your needs. Carefully sort through what each company offers.

We hope this has given you more insight into Prosperity Life vs. United Home Life insurance. Enter your ZIP code in the free comparison tool below to compare multiple companies near you.