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: Apr 28, 2021

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The Facts of Life

  • United Home Life offers term and whole life insurance along with accidental death coverage
  • United Home does not require a medical exam to qualify for coverage
  • United Home Life Insurance Company and its parent company, United Farm Family Mutual, both have an A- rating with A.M. Best

United Home Life Insurance Company—a subsidiary of United Farm Family Mutual—offers term and whole life insurance as well as accidental death coverage. United Home Life offers its products to customers from 0-80 years of age.

While the options for coverage are simple, United Home assures policyholders they are dedicated to providing both quality and personal experience.

If you are searching for life insurance that fits your family’s needs, enter your ZIP code above to see what options work best for you before you buy United Home life insurance.

What are United Home’s term life insurance options?

United Home offers Simple Term products for term life insurance coverage. Simple Term has varying degrees and coverage options based on a policyholder’s age, gender, and medical condition. United Home Life Insurance rates will vary by policy type and other factors.

Simple Term 20

Simple Term 20 is a level death benefit term life insurance plan with an initial level premium guarantee period of 20 years.

At the end of 20 years, Simple Term 20 premiums increase on an annual basis.

This coverage is available with four optional riders: disability, accidental death, child, and no-cost terminal illness.

Simple Term 20 ROP

Simple Term 20 ROP is the same as Simple Term 20 with one added feature; the ROP option includes an added return-of-premium feature.

With Simple Term 20 ROP, the plan builds up a guaranteed cash value that can be used to “return” the total annual premiums paid through the end of the initial term period.

Simple Term 20 ROP offers a child rider along with a no-cost terminal illness rider.

Simple Term 20 DLX

Simple Term 20 DLX is the same as Simple Term 20 but does not include the disability rider.

Simple Term 30

Simple Term 30 is a level death benefit term life insurance plan with an initial level premium guarantee period of 30 years. After 30 years, premiums increase annually.

Simple Term 30 offers the same riders as Simple Term 20.

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Are United Home Life’s whole life policies worth it?

With United Home’s whole life policy options, the company guarantees that every policyholder will receive the coverage they need to fit their family and lifestyle.

United Home offers two whole life insurance options: simplified issue and guaranteed issue.

Simplified issue life insurance is broken up into three subcategories while guaranteed issue is a separate policy type.

Express Issue Whole Life

Express issue whole life coverage is the first of three simplified issue options.

With express issue, during the first two policy years, the benefit for death by natural causes is a refund of all premiums paid to date plus interest.

Once a policyholder enters the third year of coverage, the full benefits will be paid to the beneficiary.

This plan offers several no-cost riders including identity theft waiver of premium Rider and hospital stay waiver of premium.

Express Issue

Express Issue is broken up into two categories: Express Issue Premier and Express Issue Deluxe.

Both options are immediate death benefit whole life insurance products that also offer optional riders and benefits to tailor the product to a policyholder’s personal needs.

Provider

Provider is an immediate death benefit whole life insurance policy offering protection at every stage of life. This policy is a helpful option to cover young adults, children, and grandchildren.

Discounted premium rates are available to those who qualify, and there are several rider options.

Guaranteed Issue Whole Life

With Guaranteed Issue whole life coverage, policyholders will never be turned down for coverage and will not be required to take a medical exam. This coverage is ideal for individuals who have preexisting conditions or are in poor health.

Because of the caveats associated with this plan, the coverage is likely more expensive than the other products United Home offers.

What does United Home offer for accidental death?

United Home accidental death coverage is a great option for layering coverage onto an existing policy to protect family members and loved ones.

This coverage is ideal for individuals who commute to work and requires potential policyholders to answer just one question before it is issued.

Annual premiums for this coverage start at $197.50 and benefits go from $50,000 to $100,000. In addition, accidental death benefits double after 20 years of coverage.

Does United Home offer online services?

United Home Life Insurance has a company website that offers simple services such as filing a claim, checking the status of a claim, and paying monthly premiums.

United Home policyholders simply need to use their United Home Life login on the website to access these features. They will also be able to see a copy of their coverage(s) and what they include.

United Home life insurance quotes are not offered on the website. To find out if affordable United Home life insurance is available to you, you will need to speak with a representative. 

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United Home Company Ratings

United Home Life Insurance Company has an A- (excellent) rating with AM Best. The company has a positive financial outlook and is able to support its policyholders when they need it.

In addition to its AM Best rating, United Home was rated A+ by the Better Business Bureau.

What is United Home Life?

United Home Life Insurance Company was founded in 1948 and operates as a subsidiary of United Farm Family Life Insurance Company. Both companies are owned and operated by the Indiana Farm Bureau.

United Home offers options for term and whole life insurance coverage. The company sells primarily through agents and is licensed to provide insurance in all 50 U.S. states.

In addition to life insurance, United Home offers an accidental death benefit rider to its clients. The company states that all coverages have the option for layering to avoid gaps and unforeseen expenses.

Should I buy United Home life insurance?

At the end of the day, United Home life insurance is just one of many companies offering life insurance coverage.

Before you commit to purchasing life insurance with United Home—or with any other company—your best bet is to shop around to find policies and premiums that fit your needs and stay within your budget.

Now that you’ve read this United Home life insurance review, you can use our free tool below to start your search for term or whole life insurance today.