United Home Life Insurance Company Review

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United Home Life Insurance is a longstanding provider of life and accidental insurance policies, known for its simplified underwriting process and coverage for diabetics.

A.M. Best




J.D. Power


The Good

  • Financial security
  • No exam coverage available
  • Diabetic insurance
  • Competitive guaranteed policies

The Bad

  • No online quotes
  • Poor online experience
  • Less competitive term pricing
  • Limited product availability

Product Availability

Policy Types
  • Term
  • Whole
  • Diabetic
  • Accelerated death benefit
  • Accidental death benefit
  • Children’s insurance
  • Hospital stay waiver of premium
  • Identity theft waiver of premium





Financial Strength


User Experience


Product Availability





One of the main factors to consider when you choose a life insurance provider is the cost of coverage.

Life insurance rates are based on a range of risk factors which includes your age, weight, tobacco use, health conditions, and your family’s health history.

The cost of coverage can also be influenced by your lifestyle if you have a high risk job or hobby.

Because each company has its own criteria for underwriting, your premiums could be much higher with one provider than another.

Overall, United Home Life’s rates are not the most competitive for the majority of applicants.

While United Home Life isn’t the best priced or most valuable pick for most term applicants, their graded and guaranteed rates are affordable.

It’s hard to say exactly what you’ll pay for coverage from United Home Life, because you are required to contact an agent to get a quote.

Financial Strength

Another way to determine if a life insurance company is worth your while is to review its financial ratings and performance.

Credit ratings are indicative of solvency, claims-paying ability, and the overall stability of a company.

United Home Life isn’t rated by three of the four major agencies, but it has earned an “A-” from A.M. Best, the fourth highest rating a company can achieve.

United Home Life and its sister company United Farm Family Life also boast a combined $2 billion in assets.

Though there are larger and more financially flourishing providers, these metrics suggest you can rely on United Home Life to pay out claims.

User Experience

Buying life insurance doesn’t have to be a complicated process.

Your life insurance company should make researching, purchasing coverage, and managing your policy as simple and straightforward as possible.

To assess user experience, we can look at consumer-informed ratings, as well as the company’s website and application process.


J.D. Power and the Better Business Bureau provide two of the most insightful ratings for evaluating user experience.

Each year, J.D. Power surveys policyholders across the nation, scaling the top providers based on customer satisfaction.

United Home Life was not featured in last year’s survey; however, it is highly reviewed by the BBB.

United Home Life is accredited by the Better Business Bureau, and it has an “A+” rating based on its business practices and interactions with customers.

In addition to certified independent insurance agents, United Home Life has a helpful and informed home office staff, dedicated to simplifying things for insurance shoppers and policyholders.


United Home Life’s website leaves a lot to be desired.

If you’re looking to explore the company’s history, values, and community involvement, you’ll find little to no information.

United Home Life’s website does not share any financial reports, only disclosing its A.M. Best rating and a few other details.

The website provides a bit more information on its products, detailing the features of its life insurance policies via brochures.

However, you won’t find details like death benefit amounts or eligibility requirements.

The site does not allow you to compare quotes or apply for coverage either, requiring you to contact an agent.

Policyholders can use the site to download policy change forms and make payments.


United Home Life’s application process is simple.

The company solely sells simplified issue life insurance policies, meaning you can skip the medical exam and get covered with limited underwriting.

United Home Life’s process can be broken down into a few basic steps:

  1. Contact an agent
  2. Respond to a quick application with some yes/no questions about your health
  3. Complete a 15-minute personal interview by phone

From there, the company will review your information to decide if you’re eligible and determine your rates.

The underwriting process could take as little as 3-5 days.

Product Availability

United Home Life offers a range of simplified products, including term and whole life insurance.


Term life insurance provides temporary coverage for a set amount or term, of time.

These policies provide a death benefit if the insured dies within the term, as long as premiums are paid.

United Home Life offers four simplified term policies:

  • Simple Term 20: This policy comes with a level death benefit, and premiums are guaranteed for 20 years, increasing annually in the following years.
  • Simple Term 30: With Simple Term 30, premiums are level for 30 years rather than 20.
  • Simple Term 20 ROP: This variation of Simple Term 20 returns the premiums paid into the policy if the insured outlives the initial 20-year term.
  • Simple Term 20 DLX: Simple Term 20 DLX comes with 20-year level premiums, as well as a child rider, accelerated death benefit, and accidental death benefit.


Permanent life insurance offers a guaranteed death benefit, guaranteed premiums, and cash value accumulation.

United Home Life’s simplified whole life offerings range from the Express Issue Premier and the Express Issue Deluxe to the Provider and the Express Issue Whole Life (EIWL) policy.

If health is a concern, but not a major issue, you can utilize the graded option, the Express Issue Whole LifeWith this product, you’ll have a two-year graded benefit.

If your health restricts you from qualifying for United Home Life’s graded product, the company also sells a guaranteed issue whole life policy with a higher premium.

All of these products feature a variety of optional riders and benefits, ranging from the Terminal Illness Accelerated Benefit Rider to the Child Rider. Some are available at no cost.


For any qualified insulin-dependent applicants, United Home Life offers an immediate death benefit which goes into force when the policy is purchased.

Both the Express Issue Deluxe Whole Life and the Simple Term 20 DLX are specifically designed to provide needed coverage for policyholders requiring insulin treatments due to a diabetes diagnosis.

Applicants can obtain up to $50,000 of coverage and guaranteed premiums without a medical exam.


Following the Great Depression, a new insurance company by the name of United Farm Family Life Insurance emerged in 1937.

11 years later, United Home Life was born.

These partnering insurance companies, both still in existence today, have continued issuing quality life insurance products in a few select niches.

Today. United Home Life specializes in simplified life insurance and accident insurance.

Combined, United Farm Family Life and United Home Life have more than $20 billion of life insurance in force.

Beyond the basics, United Home Life does not provide much information on milestone moments throughout its history.

It’s also unclear whether or not the company partners with any organizations or donates to communities in need.

The company does not have a presence on social media, either, lending to its lack of brand recognition.


It’s wise to factor in multiple opinions when you pick a life insurance carrier.

Part of our assessment of United Home Life included an evaluation of other industry experts’ opinions on the company.

United Home Life earned a low consensus score, failing to rank among the best life insurance companies.

However, the company is financially stable and offers a solid customer experience, based on its BBB rating.

If you’re looking for a customizable permanent policy with simplified underwriting or you’re a diabetic, United Home Life could be a good pick.

But if you’re searching for an affordable term policy and don’t mind submitting to a medical exam, you can probably find more competitive coverage elsewhere.

United Home Life Insurance Company Review

(800) 428-3001
225 South East Street
Indianapolis, IN 46202

Company Name (and subsidiaries)

  • United Farm Family Life Insurance Company


Jason Fisher

Jason Fisher is the founder and CEO of BestLifeRates.org, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.