United Home Life Simple Term

Term products are some of the simplest forms of life insurance available. You pay a premium and in the event of the insured’s death while the policy is in force, your beneficiary receives the benefit in income tax-free cash!

United Home Life offers three plans, one with additional flexibility built in. You choose which plan is right for you!

Features & Benefits

Issue Ages

Simple Term 20
20–60

Simple Term 20 ROP
25–60

Simple Term 30
20–55

Non-Med

• No paramed exams.

• No bodily fluids testing.

• Simplified application with yes/no health questions to help determine eligibility.

• Personal History Interview required.

Optional Riders

• Total & Permanent Disability Benefit (Waiver of Premium)

• Accidental Death Benefit (minimum $25,000)

• Child Rider

• No-cost Terminal Illness Accelerated Benefit Rider

Value or Price

Which one is most important?
There is only one answer—both! The type of product isn’t as important as making sure your family has life insurance protection. We have products that offer living and death benefits. You choose the product that’s best for your specific needs.

Example:
Age 35 Male Non-Tobacco
Annual Premium For $100,000 Face Amount

SI Term 20—$393/year. At the end of 20 years, total annual premiums paid = $7,860.
SI Term 30 – $459/year. At the end of 30 years, total annual premiums paid = $13,770.
SI Term 20 ROP – $1,238/year. At the end of 20 years, total annual premiums paid = $24,760. This amount can be returned to the policyowner on an income tax-free basis should the policyowner choose to surrender the policy.

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