United Home Life Insurance Company Review & Complaints: Final Expense Insurance (2024)

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Indiana-based United Home Life Insurance Company offers a handful of basic life insurance policies that include a final expense option. The company focuses on simple and easy-to-understand products.

You want to find the best insurance companies to compare life insurance rates, but you might not be sure where to start. Are United Home Life Insurance rates competitive? Should you consider getting United Home Life Insurance quotes? What are United Home Life Insurance ratings like? We can help.

Read on for a full review, but first, enter your ZIP code and get free life insurance quotes now.

What is United Home Life?

United Home Life was founded in 1948 and operates as a subsidiary of United Farm Family Life Insurance Company, although the website presents both names as equals in terms of branding. Both companies are in fact owned in turn by the Indiana Farm Bureau, a large farm bureau offering a range of insurance options.

The insurer has a somewhat dated website that offers minimal information on the company. They sell primarily through insurance agents, and the lack of an updated website shows that – it is not really aimed at bringing in new customers. They do offer a PDF version of a life insurance brochure that offers a little more policy information than some other companies provide online.

The company is based in Indianapolis but sells its products across the country through local agents. In addition to final expenses, they also write whole life insurance and term life insurance policies.

The United Home Life Insurance Company phone number is 317-692-7979. This is the main customer service number.

Read more: Indiana Farm Bureau Insurance Review & Complaints: Home, Auto & Life Insurance

What are the options for final expense insurance?

There are a few options for final expense insurance in two categories – Express Issue and Guaranteed Issue. Both categories are simplified issue life insurance, meaning there are no medical exams required for any of the products. There are, however, levels of the Express plan that are issued based on the underwriting process, which does include health history questions.

The basic Express Issue Whole Life policy is a graded death benefit plan. For the first two years, the death benefit coverage is equal to all premiums paid plus interest. From year three onward, the full death benefit is payable. This plan allows those who may have a riskier health history to get coverage more easily. This plan includes several no-cost riders: Identity Theft Waiver of Premium, Common Carrier Accidental Death, and Hospital Stay Waiver of Premium.

The Express Premier and Deluxe plans both offer the full death benefit from the day of issue. This policy has several rider options as well and adds a no-cost Accelerated Death Benefit for terminal illness. A child rider and accidental death benefit are also available.

The final policy in this category is the Provider, which is also an immediate death benefit policy. This is described as a whole life policy for all ages and does not appear to be specific to final expense planning.

The Guaranteed Issue Whole Life policy is the simplest plan available and has no health questions or exams. This makes it an option for those that may have had trouble getting coverage elsewhere.

Coverage is available to age 100 on a graded plan; for the first three policy years, the death benefit is limited to premiums paid plus interest. From year four onward, the full death benefit is payable. The full death benefit is payable on accidental death from the date of issue.

The maximum available death benefit is not listed for any of the policies. It is likely that a lower limit applies to the Guaranteed Issue plan, which is a higher risk for the insurance company due to the limited underwriting process.

Does the company offer competitive insurance rates?

United Home Life sells through agents and as a result, they do not offer any online quoting for life insurance coverage. It is not surprising given the dated appearance of the website. Companies that count on agents to bring in new business often do not have modern websites with online quoting. Again, though this is not a surprise, there are competitors in the agent-sales final expense business that do offer basic online quoting as insurance customers today expect to be able to gather rate information without having to face a lot of solicitation.

United Home’s Guaranteed Issue plan is likely the most expensive of the options. The lack of health history represents a higher risk to the company, although they mitigate this risk somewhat with the three-year graded death benefit limits.

While we don’t have Final Expense rates, you can take a look at these sample rates to get an idea of the average cost.

United Home rates may be lower or higher, depending on the insured.

United Home Life Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

United Home Life Insurance Company provides multiple options for filing a claim. Customers can conveniently file their claims online through the company’s website. The online claim form can be filled out and submitted directly from the website.

Alternatively, customers can download the claim form, print it, and mail it to the company. To follow up on claims, customers may need to use their United Home Life Insurance login. Please note that this login is different from the United Home Life Insurance agent login.

Average Claim Processing Time

The average claim processing time is not specified in the provided information. Customers should contact the company’s customer service for more information about the typical duration for processing claims.

Customer Feedback on Claim Resolutions and Payouts

United Home Life Insurance Company has received an A+ rating from the Better Business Bureau (BBB) and has been accredited since 2016. According to the BBB, there have been only two customer complaints on file in the past three years.

While there are three negative reviews on the BBB page, the company does appear to respond to complaints and work towards resolving issues. Overall, there is not much in the way of complaints about the company’s claim resolutions and payouts, and they seem to address customer concerns efficiently.

Read more: Best Life Insurance Company That Is BBB Accredited

United Home Life Insurance Company Digital and Technological Features

Mobile App Features and Functionality

The provided information does not mention specific details about a mobile app offered by United Home Life Insurance Company. Customers interested in mobile app features and functionality should check the company’s official website or contact their customer service for more information on any available mobile app.

Online Account Management Capabilities

Details regarding online account management capabilities are not explicitly mentioned in the provided content. Customers looking for information about managing their insurance policies online should visit the company’s website or reach out to their customer service for specifics on online account management features.

Digital Tools and Resources

The content does not provide specific information about digital tools and resources offered by United Home Life Insurance Company. For a comprehensive understanding of the company’s digital tools and resources, customers should explore the company’s official website or contact their customer service for details on available digital resources.

What’s the bottom line?

Information on this company is limited, but they do have a solid financial standing and there are no red flags. They may be a good choice for those that are seeking a no-health-questions policy, but without rates, we cannot say how they stack up to their competitors in terms of value. It might be worth getting a quote if you are in the market for simple insurance and have had trouble qualifying elsewhere.

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