Carrier: United Home Life (UHL) / United Farm Family Life
Product: Simplified Issue Term Series
Product Types: Simple Term 20, Simple Term 30, Simple Term 20 ROP (Band 1 and 2), Simple Term 20-DXL
Issue Ages: 20–60 (varies slightly by product and tobacco use)
Face Amounts: $25,000–$500,000 (plan-specific maximums by age and health class)
Target Market: Clients with moderate to high-risk medical histories needing affordable term protection
Underwriting Notes: No exam required. MIB, Rx, and optional APS review. APS often required for insulin users or recent diagnoses. No conversion. Annual renewability after term ends. Terminal Illness rider included.
Simple Term 20 – United Home Life
Product Type: 20-Year Simplified Issue Level Term Life Insurance – Deluxe Rating
Issue Ages: 20 to 60 (Age Last Birthday)
Face Amounts:
- Minimum: $25,000
- Maximums:
- Ages 20–45: $500,000
- Ages 46–55: $375,000
- Ages 56–60: $250,000
Rate Classes: Non-Tobacco and Tobacco
Built-in Rating: 8 Tables
Annual Policy Fee: $100 (commissionable)
Premium Modal Factors
- Semi-Annual: 0.515
- Quarterly: 0.260
- Monthly EFT: 0.087
Ideal Use Case: Simple Term 20 is designed for applicants who are insulin-dependent diabetics or who have other moderate to serious health conditions that would normally prevent them from qualifying for term coverage. This product fills a critical need by offering limited benefit term insurance with a simplified underwriting process.
Underwriting & Eligibility
This product is available to applicants with significant health concerns. While the application process is simplified issue and requires no paramedical exam or fluids, underwriting still includes review of the MIB and prescription database. In some cases, an APS (Attending Physician Statement) may be required. Applicants must provide full medical history and contact details for any treating physicians.
Note: This product has the most lenient health criteria of all UHL term products. Agents should still screen clients for disqualifying conditions such as current cancer treatment or recent cardiac events.
Build Chart – Maximum Weight Guidelines
| Height | Max Weight – Simple Term 20 |
|---|---|
| 5'0" | 240 lbs |
| 5'4" | 270 lbs |
| 5'8" | 305 lbs |
| 6'0" | 340 lbs |
| 6'4" | 385 lbs |
Included and Optional Riders
This product typically includes a Terminal Illness Accelerated Benefit rider. Other optional riders may not be available due to the higher-risk nature of this plan. Agents should consult with UHL directly to confirm eligibility of any specific riders.
Renewability & Conversion
Simple Term 20 is renewable annually after the 20-year level premium period, up to age 95. There is no conversion option associated with this product.
Agent Notes
- Submit complete medical history upfront to avoid delays.
- Be sure to clearly disclose any insulin use or major impairments.
- This product is commissionable but includes a lower face amount limit due to its leniency in underwriting.
Simple Term 30 – United Home Life
Product Type: 20-Year Simplified Issue Level Term Life Insurance – Deluxe Rating
Carrier: United Home Life Insurance Company (UHL)
Issue Ages: 20 to 60 (Age Last Birthday)
Face Amounts:
- Minimum: $25,000
- Maximum: $500,000 (ages 20-45)
- Maximum: $375,000 (ages 46-55)
Rate Classes: Non-Tobacco and Tobacco
Built-in Rating: 4 Tables
Annual Policy Fee: $100 (commissionable)
Premium Modal Factors
- Semi-Annual: 0.515
- Quarterly: 0.260
- Monthly EFT: 0.087
Ideal Use Case: Simple Term 30 is designed for applicants who are insulin-dependent diabetics or who have other moderate to serious health conditions that would normally prevent them from qualifying for term coverage. This product fills a critical need by offering limited benefit term insurance with a simplified underwriting process.
Underwriting & Eligibility
Ideal product for clients with minor health issues.*
Note: This product has the most lenient health criteria of all UHL term products. Agents should still screen clients for disqualifying conditions such as current cancer treatment or recent cardiac events.
Build Chart – Maximum Weight Guidelines
| Height | Max Weight – Simple Term 30 |
|---|---|
| 5'0" | 240 lbs |
| 5'4" | 270 lbs |
| 5'8" | 305 lbs |
| 6'0" | 340 lbs |
| 6'4" | 385 lbs |
Included and Optional Riders
Waiver of Premium, Child Rider (first $5000 of Child Rider is a no-cost for face amounts of $100,000 or more), Accidental Death Benefit (minimum base face $25,000, Terminal Illness Accelerated Benefit.
WAIVER OF PREMIUM (TOTAL AND PERMANENT
DISABILITY: Premiums waived during total and permanent disability up to the policy anniversary nearest the Insured’s 60th birthday. See Page 18 for rates per thousand. Rider terminates if requested in writing, on the date the policy is continued under a non-forfeiture option, if any, or on the policy anniversary nearest the Insured’s attained age 60.
CHILD RIDER: Provides coverage for children issue ages 30 days – 18 years (age last). Sold in units of $5,000 (max 4 units); premium is $25 per unit. Child must be insurable. Separate application required. Fully convertible prior to child’s attained age 21 (or date rider terminates, if earlier)
without evidence of insurability. Child Rider can be added to a grandparent’s base policy only if the child has been legally adopted by the grandparent. Rider terminates if requested in writing, if the Insured commits suicide within two years of the rider effective date, the date the policy is continued under a non-forfeiture option, if the policy is at the end of its premium paying period, or on the policy anniversary at the Insured’s attained age 65. While the rider is in force, insurance on any child terminates on the child’s 21st birthday. First $5,000 of Child Rider coverage is at no charge for base policy face amounts of $100,000 or more.
ACCIDENTAL DEATH BENEFIT RIDER: Provides a benefit in addition to the base policy benefit should the Insured die by accidental bodily injury independent of all other causes,
provided death occurs within 90 days of such injury. See Page 18 for rates per thousand. Rider terminates at the earliest of the policy anniversary nearest the Insured’s 70th birthday, the date the policy is continued under a non-forfeiture option, or if requested in writing. Minimum face amount for base policy and ADB rider is $25,000 each. Max ADB rider not to exceed lesser of base policy face amount or $200,000.
TERMINAL ILLNESS ACCELERATED BENEFIT: Provides
the Policyowner with the right to access the policy’s death benefit (discounted at interest for one year) on the life of the Insured if the Insured is diagnosed with a life expectancy of 12 months or less.
Renewability & Conversion
Simple Term 30 is renewable annually after the 30-year level premium period, up to age 95. There is no conversion option associated with this product.
Agent Notes
- Submit complete medical history upfront to avoid delays.
- Be sure to clearly disclose any insulin use or major impairments.
- This product is commissionable but includes a lower face amount limit due to its leniency in underwriting.
Simple Term 20 ROP – United Home Life
Product Type: 20-Year Simplified Issue Return-of-Premium Term Life Insurance
Carrier: United Home Life Insurance Company (UHL)
Band 1
- Issue Ages: Non-Tobacco: 25–60, Tobacco: 25–45 (Age Last Birthday)
- Face Amounts: Minimum: $25,000, Maximum: $99,999
- Rate Classes: Non-Tobacco and Tobacco
- Built-in Rating: 4 Tables
- Annual Policy Fee: $100 (commissionable)
- Modal Factors:
- Semi-Annual: 0.515
- Quarterly: 0.260
- Monthly EFT: 0.087
Band 2
- Issue Ages: Non-Tobacco: 25–60, Tobacco: 25–45 (Age Last Birthday)
- Face Amounts:
- Minimum: $100,000
- Maximums:
- Ages 25–45: $500,000
- Ages 46–55: $375,000
- Ages 56–60: $250,000
- Rate Classes: Non-Tobacco and Tobacco
- Built-in Rating: 4 Tables
- Annual Policy Fee: $100 (commissionable)
- Modal Factors:
- Semi-Annual: 0.515
- Quarterly: 0.260
- Monthly EFT: 0.087
Product Overview
This product is ideal for clients who want their premiums returned at the end of a 20-year level term period if they are still living. It offers a simplified issue process with no medical exams, labs, or bodily fluids required. UHL reviews MIB and Rx history, and may request an APS based on application responses or data flags.
Applicants must provide full medical history and the name and contact of a primary physician seen in the past 3 years.
Return of Premium Benefit
If the insured survives the 20-year level premium period, and no death benefit has been paid, the policy will return 100% of base premium paid to the policyowner. This is a tax-free return of premium benefit under current tax laws.
Underwriting & Eligibility
- Same simplified underwriting as other term plans
- No exams or fluids required
- APS may be required in some cases
- Applicants must be mentally competent and U.S. legal residents for at least 2 years
Included Riders
- Terminal Illness Accelerated Benefit Rider
Optional Riders
- Waiver of Premium (available through age 59)
- Child Term Rider (up to $20,000, convertible at age 21)
- Accidental Death Benefit Rider (max $200,000, ends at age 70)
Renewability & Conversion
Simple Term 20 ROP is renewable annually up to age 95. No conversion option is available.
Build Chart – Maximum Weights
| Height | Max Weight – ROP Term |
|---|---|
| 5'0" | 210 lbs |
| 5'4" | 240 lbs |
| 5'8" | 270 lbs |
| 6'0" | 305 lbs |
| 6'4" | 340 lbs |
Medication Notice
United Home Life does not publish a public medication exclusion list for this product. Agents should contact UHL underwriting directly at 1-800-428-3001 to confirm prescription acceptability.
Simple Term 20-DXL – United Home Life
Product Type: 20-Year Simplified Issue Level Term Life Insurance – Deluxe Rating
Carrier: United Home Life Insurance Company (UHL)
Issue Ages: 20 to 60 (Age Last Birthday)
Face Amounts:
- Minimum: $25,000
- Maximum: $50,000
Rate Classes: Non-Tobacco and Tobacco
Built-in Rating: 8 Tables
Annual Policy Fee: $100 (commissionable)
Premium Modal Factors
- Semi-Annual: 0.515
- Quarterly: 0.260
- Monthly EFT: 0.087
Ideal Use Case: Simple Term 20-DXL is designed for applicants who are insulin-dependent diabetics or who have other moderate to serious health conditions that would normally prevent them from qualifying for term coverage. This product fills a critical need by offering limited benefit term insurance with a simplified underwriting process.
Underwriting & Eligibility
This product is available to applicants with significant health concerns. While the application process is simplified issue and requires no paramedical exam or fluids, underwriting still includes review of the MIB and prescription database. In some cases, an APS (Attending Physician Statement) may be required. Applicants must provide full medical history and contact details for any treating physicians.
Note: This product has the most lenient health criteria of all UHL term products. Agents should still screen clients for disqualifying conditions such as current cancer treatment or recent cardiac events.
Build Chart – Maximum Weight Guidelines
| Height | Max Weight – Simple Term 20-DXL |
|---|---|
| 5'0" | 240 lbs |
| 5'4" | 270 lbs |
| 5'8" | 305 lbs |
| 6'0" | 340 lbs |
| 6'4" | 385 lbs |
Included and Optional Riders
This product typically includes a Terminal Illness Accelerated Benefit rider. Other optional riders may not be available due to the higher-risk nature of this plan. Agents should consult with UHL directly to confirm eligibility of any specific riders.
Renewability & Conversion
Simple Term 20-DXL is renewable annually after the 20-year level premium period, up to age 95. There is no conversion option associated with this product.
Agent Notes
- Submit complete medical history upfront to avoid delays.
- Be sure to clearly disclose any insulin use or major impairments.
- This product is commissionable but includes a lower face amount limit due to its leniency in underwriting.
Global Underwriting Rules – All Term Products
Non-Tobacco Definition
No nicotine replacement, smoking or tobacco products including, but not limited to: nicotine gum, patch or pills, cigarettes, cigars, chew, pipe, e-cigarettes or vape within the past 12 months.
Medical Examinations / Bodily Fluids Testing
No routine exams or lab testing required. United Home Life / United Farm Family Life reserves the right, however, to order such requirements at the underwriter’s discretion.
Attending Physician Statements (APS)
Based on the Proposed Insured’s medical history, MIB information, or pharmacy report, an APS may be necessary. Agents will be asked to provide the APS at the client’s expense. APSs are accepted only if provided by the physician/medical provider in a sealed envelope or faxed directly from the provider’s office.
Foreign Nationals
Applications are accepted on individuals who are not naturalized U.S. citizens provided they are in the U.S. legally and on a permanent basis. The applicant must possess a Social Security number, a valid Visa or Green Card, and have resided in the U.S. for the past two years.
Military Risks
Applications are accepted on individuals currently serving in the military in a non-combat unit provided they have not been alerted for combat duty or are not serving in a hazardous area. The Military Personnel Financial Services Disclosure must be submitted with the application. Required Forms: 200-673 (UHL); 18-673 (UFFL).
Stranger-Owned Life Insurance (STOLI)
Applications will not be accepted if any agreement or understanding exists that provides for any party to obtain an interest in any policy issued on the Proposed Insured who does not have an insurable interest in the life of the Proposed Insured.
