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United Home Life Insurance Company has been a member of the Farm Bureau Insurance Companies since late 1997. It is 100% owned by United Farm Family Holding Company, a holding company that is, in turn, 100% owned the Farm Bureau Insurance Companies (United Farm Family Life Insurance Company and United Farm Family Mutual Insurance Company).
Farm Family Life and United Farm Family Mutual Insurance Company, are strong entities with a combined capital and surplus in excess of $300 million! United Farm Family and United Farm Family Mutual are each rated "A" (Excellent) by A.M. Best. Since the acquisition, UHL has received direction from the Farm Bureau Insurance Companies management team, and the parent companies consistently demonstrated their ability and willingness to support UHL's capital position.
UHL's current rating is "A-" "Excellent" a rating with A.M. BEST and the issuer credit rating (ICR) to "a-" as of June 2nd 2008.
Founded in 1899, A.M. Best Company is a global full-service credit rating organization dedicated to serving the financial and health care service industries, including insurance companies, banks, hospitals and health care system providers.
You do not have to see the clients in person to write them. All the products can be written "sight unseen". Just write on the application that you didn't see the client in person.
Life Insurance Company
Our Simplified Issue Term portfolio is popular because of the following features:
- Up to $200,000 Non Medical with a Phone Interview (Ages 18 to 45). $150,000 ages 46-55 and $100,000 ages 56-60
- No Mortgage is required!
- No routine medical exams or blood test; random PHIs up to $100,000 (but with mandatory PHIs for applicants- you do not see personally)
- Just 4 underwriting questions; up to 4 tables issued standard
- 2 to 5-business day turnaround on clean applications
- 20 and 30 year level premium; 20 and 30 years guaranteed
- Return of Premium feature on Premier 20 and Premier 30
- Free $5,000 Child Rider coverage on all children if base policy purchased with a face amount of $100,000 or more
- Policy Fee is Fully Commissionable!
- Table 4 accepted as Standard
- Approved for Phone, Mail, or Internet Sales
- Frequent Contests (Click Here for Details)
- YES or NO Applications to determine eligibility
- A- Excellent rating by A.M. Best
Learn more about U.H.L by watching this introduction video.
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* * * * Our GRADED BENEFIT Plan Leads the Industry! * * * * |
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* Simple, Easy-to-use Application! |
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* Only 4 underwriting questions - Ideal for clients with significant health issues! |
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* Graded death benefit during the first 2 years! - Many other carrier plans have a 3-year grade-in. |
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* Built-in inflation guard benefit - Death benefit increases every five years for 20 years! |
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* FREE premium waiver benefit - premiums waived for 3 months in the event of identity theft or an extended hospital stay |
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* FREE Common Carrier Accidental Death Benefit - death benefit payable is doubled if death is due to an accident while riding on public transportation. |
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* Issue down to age 25! (45 in CA) |
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* Coverage amounts from $2,000 to $25,000! * Rates are just reduced up to 20% |
Click Here to Download The Agent Guide
Watch this video from Gerry Danielson from U.H.L. discussing the New Whole Life Products.
The Total Protection Series features 3 Whole Life policies available on a single, easy-to-use short form "3-in-1", YES or NO application. The products cover the full spectrum of underwriting:
- The "virtually guaranteed issue" Graded Benefit Whole Life product with only 4 gatekeeper underwriting questions - perfect for final expense needs for your clients in poor health;
- The Express Issue WL Deluxe (or the Total Life 50 - Depending upon which plan has been approved in your state), with immediate death benefit, for clients who have some minor health issues;
- The Express Issue WL Premier (or the Total Life 50+ - Depending upon which plan has been approved in your state), for clients who are in better health but don't want to go through full underwriting; up to 4 tables issued standard!
Training Video On The TP3/Whole Life Products
To best view these videos, click the button on the bottom right on each video to view full screen mode.
Commissions- Top commissions for Producers and MGAs
- Annualized Commissions Paid Daily
- 9 month advanced commissions available
Pending and Production Reports, Commissions, Information, Forms, and Supplies are available at www.UnitedHomeLife.com. To download forms and rates, just click on sales materials. The password is "colts".
Cause of Death in the United States*
Your Clients' Lives can be Changed without Warning.
How well do you have them protected?
Your Clients Need Accidental Death Protection!
The Accidental Death Protector can help!
- Guaranteed Issue!**
- Premium is Guaranteed Level for the 20-year period!
- Return of 20 Annual Premiums in Year 20!
- $50,000 of Coverage for only $13.72 per month, regardless of age! - AND -
- Coverage Doubles to $100,000 by year 20!
- $100,000 of Coverage for only $22.79 per month, regardless of age! - AND -Coverage Doubles to $200,000 by year 20!
- Complete List Billing support for business owners!
- HIGH First Year Commissions and renewals!
Learn More About Accidental Death Coverage by Watching This Training Video
To best view these videos, click the button on the bottom right on each video to view full screen mode.
*National Safety Council**Applicant must have good driving record and must not be involved in hazardous avocations.
Some of the Acceptable Occupations:
- Coal Miners (surface workers, not using explosives)
- Construction Workers (not using explosives/blasting)
- Fireman (municipal and volunteers)
- Nurses
- Policeman (municipal, penal, armed guards) BUT NO FBI,DIC, DEA, Federal Air Marshall, Swat or Bomb disposal crews Postal Workers
- Semi Drivers
- Teachers
Audio Tape on UHL's Accidental Product
(Click Here)
Contract
Click here to download.
Portfolio
Click here to download.
Contest Information (02/01/2009)
Click Here to download.
Big News From UHL (03/01/2009)
Click Here to download.
7179 Jonesboro Rd.
Suite #202
Morrow, GA 30260
Phone:
770.968.5757
877.968.5757
Fax:
770.968.2657
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