United Home Life Insurance Company Review | 2022

Product Name: Provider Whole Life

Face Amounts: $10,000 to $150,000
Issue Ages: 0 to 80 years old 
Ways to apply: Paper application, telephone app, e-app available through carrier website 
Product Availability: Available in all states except AK, ME, MT, NY, OR, SD, VT, WA, WY 
Diabetics: Not accepted, 10-year look back 
COPD: Not accepted, 10-year look back 
Previous Cancer: Not accepted, 10-year look back 
Previous Heart Attack: Not accepted, 10-year look back 
What is good about this Company & Product?

  • Non-tobacco clients only – 12-month look back. All forms of nicotine included, included cigarettes, cigars, pipe, chewing tobacco, vaping and nicotine replacement products
  • Personal history interviews required for all clients
  • No ratable conditions permitted
  • No-cost built-in Terminal Illness Accelerated

    Benefit Rider for all face amounts

  • For face amounts of $25,000 or more, no-cost built-in riders include Common Carrier Accidental Death Benefit Rider, Life-Threatening Cancer Accelerated Benefit Rider, Charitable Gift Donation Benefit
  • Optional Total And Permanent Disability Benefit (Waiver of Premium) and Child Rider

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