United Home Life & United Farm Family Life – Final Expense & Whole Life Product Guide

Carrier: United Home Life (UHL) / United Farm Family Life

Product: Whole Life Product Suite

Product Types: Guaranteed Issue, Express Issue (Standard, Deluxe, Premier), Provider Whole Life (Standard, Preferred, Juvenile)

Issue Ages: 0–80 (varies by product and tier)

Face Amounts: $2,500–$100,000+ (varies by product)

Target Market: Final Expense, No Exam Whole Life, Juvenile Plans, or applicants seeking simplified permanent coverage

Underwriting Notes: Simplified issue for all tiers. No medical exams. MIB, Rx history, build chart, and optional PHI or APS review. Preferred criteria for Provider require excellent health and ADL independence for seniors.

Guaranteed Issue Whole Life

Carrier: United Home Life / United Farm Family Life

The Guaranteed Issue Whole Life policy is designed for clients who may not qualify for traditional coverage due to age or health history. It features guaranteed issue underwriting with no health questions or medical exams.

Product Highlights

• Available for ages 0 to 80
• Yes/no applications only — no medical exams or fluids required
• Guaranteed level premiums
• Guaranteed cash value accumulation
• Initial premium can be drafted at point of sale
• First-year commission paid daily (if EFT is used)
• Applications can be taken over the phone
• eApp submission with point-of-sale decisioning is available

Target Markets

Designed for the middle market, including clients who may have been declined elsewhere or who are looking for simple, affordable final expense protection without underwriting barriers.

Express Issue Whole Life

Carrier: United Home Life / United Farm Family Life

The Express Issue Whole Life plan is a simplified issue product that offers basic whole life coverage with streamlined underwriting and fast approvals. It is ideal for clients looking for straightforward permanent protection.

Product Highlights

• Yes/no application with simplified underwriting
• No medical exams or bodily fluid tests required
• Fast point-of-sale decisioning available through eApp
• Permanent, level benefit coverage with guaranteed cash value
• Coverage builds guaranteed cash value and has level premiums
• Targeted toward the middle market, including modest-income families

Ideal Clients

This plan is suited for individuals who want lifetime protection but prefer a simple, fast-issue policy without complex underwriting or traditional exam requirements.

Express Issue Deluxe Whole Life

Carrier: United Home Life / United Farm Family Life

The Express Issue Deluxe Whole Life product offers enhanced permanent protection with limited underwriting and faster issue compared to fully underwritten whole life plans. It is designed for clients seeking better coverage amounts than standard express issue without full underwriting requirements.

Product Highlights

• Available for ages typically between 20 and 80 (exact age limits vary by state)
• Simplified underwriting with yes/no health questions
• No parameds or bloodwork required
• Coverage builds guaranteed cash value over time
• Fast approvals through eApp with point-of-sale decisioning
• Intended for healthier clients who want a balance between speed and benefit size

Target Market

This product is well-suited for applicants in good to average health who want immediate whole life coverage without a long underwriting process, and are seeking higher coverage amounts than Guaranteed Issue or base Express Issue allow.

Express Issue Premier Whole Life

Carrier: United Home Life / United Farm Family Life

The Express Issue Premier Whole Life product offers the highest tier of simplified issue whole life coverage from UHL/UFFL. It is designed for healthier clients who qualify based on favorable answers to health questions and seek fast, permanent coverage with stronger benefit amounts.

Product Highlights

• Available for adult applicants generally ages 20–80 (check state guidelines)
• Simplified underwriting with a broader set of qualifying health questions
• No medical exams or labs
• Designed for clients in excellent health with stable medical history
• Cash value accumulation and guaranteed level premiums for life
• Faster issue via eApp platform

Best Fit Clients

Ideal for adults with good health history who want permanent coverage quickly — without exams — but who qualify for better rates and higher coverage than other Express Issue tiers.

Provider Whole Life (Standard, Preferred, Juvenile)

Carrier: United Home Life / United Farm Family Life

The Provider Whole Life series offers permanent life insurance with strong guarantees, simplified underwriting, and expanded eligibility including juvenile applicants. It is designed for clients seeking lifetime protection, consistent premiums, and cash value accumulation without full medical underwriting.

Provider Standard

• Available for adult applicants with minor health conditions
• Yes/no health question underwriting — no medical exams or labs
• Issue ages typically range from 20 to 80 (check state variations)
• Offers guaranteed death benefit and cash value accumulation

Provider Preferred

• For applicants in excellent health
• Offers the best rates within the Provider series
• Same simplified underwriting — fast issue and no fluids required

Provider Juvenile

• Coverage for children and grandchildren from birth through age 18
• Level premiums and lifetime protection
• Ideal for early planning, gifting, and long-term value

Shared Features

• All policies accumulate guaranteed cash value
• Riders such as Accidental Death and Waiver of Premium may be available
• Policies are eApp compatible with fast decisions and EFT drafting

Underwriting and Build Chart Guidelines

General Underwriting

All Whole Life products from United Home Life / United Farm Family Life use simplified issue underwriting. There are no medical exams or fluids. Underwriting is based on yes/no health questions, MIB, prescription database, and in some cases, a Personal History Interview (PHI).

Provider Whole Life Underwriting

• All Provider Whole Life applications require a Personal History Interview (PHI)
• The interview is ordered by the Home Office after application is received

Preferred Underwriting Criteria (Only for Provider Whole Life)

• Standard risks only – no ratable conditions.
• Must have current MD and adequate health care.
• No current or past treatment for high cholesterol or high blood pressure.
• No history of mental illness or depression in past 10 years.
• No bankruptcy in past 10 years.
• No felony or misdemeanor convictions in past 10 years.
• No family history of death of a parent or sibling from Cardiovascular Disease or Cancer prior to age 60.
• Must have valid driver’s license. No more than two moving violations in past three years. No DUI in past five years.
• No excessive use of alcohol, history of alcohol abuse or treatment.
• Not an active member of the military.
• Must have legally resided in US for the past three years.
• Must be employable on a full-time basis; cannot be receiving any form of disability compensation.
• Aviation: No participation as a pilot or crew member in the past two years.
• No ratable avocation (i.e., racing, scuba diving, mountain climbing, rodeo, sky-diving).

Preferred Criteria Ages 66–80 (Only for Provider Whole Life)

Previously listed criteria plus all of the following:

• No history of fractures or falls in past 10 years.
• Must be able to perform Activities of Daily Living (ADLs) without assistance:
• Feeding
• Bathing
• Dressing
• Taking own medications
• Toileting
• Transferring (mobility)
• Telephone use, shopping, housekeeping, yard work
• Must answer an additional set of supplemental health questions during the PHI (Personal History Interview).

Supplemental Health Questions for Ages 66–80 (Only for Provider Whole Life)

All preferred underwriting criteria must be met along with a total of five (5) points from answers to the following questions. Each “yes” answer is 1 point. Questions are asked during the PHI interview:

• Does the Proposed Insured exercise a minimum of two days per week, for a total of one hour per week?
• Does Proposed Insured have a valid driver’s license, and still drive?
• Is the Proposed Insured currently employed for a minimum of 10 hours per week?
• Does the Proposed Insured currently volunteer for a minimum of two hours per week?
• Does the Proposed Insured live with a spouse or roommate, or have pet ownership?
• Does the Proposed Insured participate in recreational travel, hobbies, or sports?
• Does the Proposed Insured handle all financial transactions independently without requiring outside assistance to pay bills and perform normal banking transactions?

Preferred is available only for Provider Whole Life applicants who meet strict standards. These include:

• No ratable medical conditions
• Must have a current MD and active health management
• No treatment for high cholesterol or high blood pressure
• No mental illness or depression in the last 10 years
• No bankruptcy or criminal conviction in past 10 years
• No family history of cardiovascular disease or cancer death in parents/siblings before age 60
• Valid U.S. driver’s license, no more than 2 moving violations in 3 years, and no DUI in 5 years
• No alcohol abuse or treatment history
• Not active-duty military
• U.S. residency for 3+ years
• Must be fully employable; not receiving disability income
• No aviation or hazardous hobbies (racing, diving, climbing, rodeo, etc.)

Preferred Criteria for Ages 66–80

• All previous Preferred criteria must be met
• No history of falls or fractures in past 10 years
• Must perform all Activities of Daily Living (ADLs) unassisted

Activities of Daily Living (ADL) Required:

• Feeding
• Bathing
• Dressing
• Taking medications
• Toileting
• Transferring (mobility)
• Telephone use, shopping, housekeeping, yardwork

Supplemental Health Scoring (Ages 66–80 Only)

Applicant must score at least 5 points from the following to qualify:

• Exercises ≥ 1 hour/week over 2 days = 1 point
• Has valid driver’s license and still drives = 1 point
• Currently employed ≥ 10 hours/week = 1 point
• Volunteers ≥ 2 hours/week = 1 point
• Lives with spouse/roommate or owns a pet = 1 point

Build Charts

Simplified Issue Build Chart

Maximum allowable weights by height for various simplified issue products:

Provider Preferred Build Chart

Maximum allowable weights by height for applicants seeking Provider Preferred underwriting classification:

Attending Physician Statements (APS)

An APS may be required based on the Proposed Insured’s:

• Medical history
• MIB (Medical Information Bureau) findings
• Pharmaceutical (Rx) history

APS Guidelines:

• Agents will be notified by the underwriter if an APS is needed
• The underwriter will specify the physician and time frame for the records
• Clients are responsible for requesting the APS from their provider
• The APS cost is paid by the client

Delivery Requirements:

• Only accepted via fax directly from the medical provider’s office
• Or mailed in a sealed envelope from the provider (USPS or overnight)
• APS Fax Number: 317-692-7636

Medication Restrictions Notice

United Home Life / United Farm Family Life does not currently provide a publicly available prescription medication exclusion list or individual consideration guide.

If an agent encounters a case involving complex medications or unclear eligibility, they are advised to contact United Home Life underwriting directly for a risk assessment.

Agent Underwriting Contact:
United Home Life
Phone: 1-800-428-3001
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Riders, Conversions, and Eligibility

Included and Optional Riders

The following riders may be included or optionally added depending on product type and applicant eligibility:

• Accidental Death Benefit Rider
• Children’s Term Rider (available on most products)
• Waiver of Premium Rider (for disability)
• Accelerated Death Benefit Rider (included on most plans)
• Return of Premium Rider (on select Express and Deluxe plans)
• Identity Theft Waiver and Terminal Illness Accelerated Rider — no additional cost

Conversion Options

United Home Life’s simplified issue products are not convertible. The whole life plans are permanent, with level premiums and guaranteed death benefit for life.

Other Eligibility Restrictions

• Applicants must reside in an approved state (product availability varies by state)
• United States citizenship or legal permanent resident status required
• Applicants must have resided in the U.S. for at least 3 consecutive years
• Applicants must have a valid U.S. address and SSN/ITIN
• No coverage for active-duty military
• Maximum issue ages may vary by product and state (typically up to age 80)

Application Submission

All UHL products are eligible for electronic applica