Carrier: Royal Neighbors of America (RNA)

Product: Ensured Legacy Final Expense

Plan Types: Simplified Issue Whole Life (SIWL), Graded Death Benefit (GDB), Guaranteed Issue (GI)

Issue Ages: SIWL: 50–85 | GDB & GI: 50–80

Face Amounts: SIWL: $7,000–$40,000 | GDB/GI: $7,000–$25,000

Target Market: Clients seeking permanent life insurance with simplified or guaranteed underwriting. Ideal for final expense planning, especially those with mild to moderate impairments or uninsurable health conditions.

Underwriting Notes: No exam; eligibility determined by Yes/No questions, MIB, and Rx. Level for healthy; Graded for moderate health; Modified for higher risk (e.g. recent health events).

Carrier: Royal Neighbors of America (RNA)

The Ensured Legacy Final Expense product suite is designed to meet the diverse needs of clients seeking permanent life insurance protection with simplified or guaranteed underwriting. It offers immediate or graded death benefits with level premiums and strong policy flexibility, depending on the selected plan.

This product is a whole life insurance solution with a strong member-driven foundation and simplified access via eApp, phone, or paper submission methods. All plans are whole life with guaranteed level premiums and cash value accumulation. There are three plan types, each with specific underwriting guidelines and benefits:

• SIWL (Simplified Issue Whole Life): Level death benefit and full underwriting based on answers to health questions.
• GDB (Graded Death Benefit): Partial benefit in year 1 and 2, full in year 3. Available for moderate impairments.
• GI (Guaranteed Issue): No health questions, limited benefit years 1–2, full benefit year 3 and beyond.

All plans mature at age 121 and offer a member ownership structure, which makes the insured a beneficial member of Royal Neighbors of America.

Product Specifications – Ensured Legacy Final Expense

Product Type: Whole Life Insurance – Final Expense

Carrier: Royal Neighbors of America (RNA)

Available Plan Types

• SIWL – Simplified Issue Whole Life: Available ages 50–85
• GDB – Graded Death Benefit: Available ages 50–80
• GI – Guaranteed Issue: Available ages 50–80

Face Amounts

• SIWL: $7,000 to $40,000
• GDB: $7,000 to $25,000
• GI: $7,000 to $25,000

Premium Modalities

• Payment Modes Available: Annual, Semi-Annual, Quarterly, Monthly EFT, or Direct Express
• Modal Factors:
  • Semi-Annual: 0.515
  • Quarterly: 0.260
  • Monthly EFT or Direct Express: 0.087

Policy Fee: $36 annually, commissionable

Dividends: Non-participating policy (no dividends)

Loans: Available from cash value at 7.4% interest, compounded annually. Reduces benefit until repaid.

Maturity: Policies mature at age 121 with benefit payout minus loans.

Underwriting & Eligibility – Ensured Legacy Final Expense

Underwriting Approach: No exams, no phone interview. Eligibility based on health questions, build chart, and Rx/MIB review. No APS required unless flagged. Applicants must reside in the U.S. and have an SSN or ITIN.

Updated Build Chart – Maximum Weight by Height

The following build limits apply to SIWL and GDB plan eligibility. If an applicant exceeds the weight listed for their height, they may be declined or moved to the Guaranteed Issue plan.

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Impairment Eligibility Table – Ensured Legacy Final Expense

The following table lists medical conditions and which plan levels the applicant may be eligible for based on their health history. A checkmark indicates the plan tier is available for applicants with that condition. If no plan level is marked, the condition is likely not insurable under this product.

Riders – Ensured Legacy Final Expense

Royal Neighbors of America offers several valuable riders to enhance the core life insurance coverage. Some riders are included automatically, while others must be elected at the time of application. All riders are subject to availability by product type and state. Full details are outlined in the Rider Brochure.

Included Rider

• Accelerated Death Benefit – Terminal Condition and Permanent Confinement (Form Series 221203):
  • Provides a one-time lump sum payment of a portion of the certificate's death benefit if the insured is diagnosed with a qualifying terminal illness or is permanently confined to a nursing home.
  • Qualifying events:
    • Terminal condition with a life expectancy of 12 months or less as certified by a physician.
    • Continuous confinement to a qualified nursing home for 90 days or more, expected to continue until death.
  • Max acceleration: 75% of face amount or $100,000 (whichever is less); minimum benefit is $5,000. Admin fee: up to $100.
  • Available on SIWL and GDB only. Not available on GI.
  • Only one acceleration per insured; rider available only at issue; rider eligible for reinstatement.
  • Benefit may be taxable and affect eligibility for public assistance. Not assignable. No additional premium required, but lien and interest will apply.

Optional Riders

• Accidental Death Benefit Rider (Form Series 222140):
  • Pays full rider face amount if death occurs within 180 days of an accidental bodily injury.
  • Issue ages: 50–70; terminates at age 80.
  • Face amounts:
    • SIWL: $5,000–$40,000
    • GDB: $5,000–$20,000
    • GI: $3,000–$10,000
  • Rider available only at issue or reinstatement; additional premium required; standard rating always applies.
• Charitable Giving Rider (Form Series 221113):
  • Provides an additional benefit to a selected charity (lesser of 1% of the face amount or $1,000).
  • Available on all plans (SIWL, GDB, GI); no additional premium required.
  • Issue ages: 50–85. Must elect a charity at application; can be updated later.
  • If charity no longer exists at time of death, benefit goes to the Lift Women’s Foundation.
  • Not affected by ADB lien. Benefit payable only at death, not at maturity.
• Grandchild Rider (Form Series 221081):
  • Provides $5,000 of life insurance for each eligible grandchild (step, natural, or adopted; no great-grandchildren).
  • Flat cost: $60/year. Covers grandchildren ages 90 days through 17 (up to 25 if in school).
  • Conversion allowed to permanent coverage:
    • Ages 90 days to 9: $5,000
    • Ages 10 to 14: $5,000–$10,000
    • Ages 15 to 19: $5,000–$15,000
    • Ages 20–24: $5,000–$20,000
    • Age 25 (within 31 days): $5,000–$25,000
  • Conversion allowed any time before expiration, or within 90 days after death of the insured (no more than 6 months post-death).
  • Rider terminates on base contract lapse or assignment; conversion allowed after assignment (within 90 days).
  • Standard rating applies; rider eligible for reinstatement.

Application & Submission Guidelines – Ensured Legacy Final Expense

e-Application

Availability: e-App can be completed in person or remotely. The Insured, Owner, and Payor can be different individuals and do not need to be in the same location.

• Access via Agent Website or through Application Submission Tools.
• Height/Weight is only required for Preferred rating. Face amount must be $25,000 or higher for Preferred.
• Trusted Contact Person and Second Addressee options are available.
• Separate Owner allowed with insurable interest. See acceptable ownership rules (pages 15–17 of agent guide).
• Separate Payor allowed; Social Security benefit-tied draft date supported.
• Same Day draft available; Save Age options supported by adjusting draft date prior to birthday.
• e-Signature methods: Email, SMS text, or Voice. Electronic or voice signature accepted for disclosures.

e-App Interview Steps

1. Pre-qualify applicant and Proposed Insured.
2. Access and complete the e-App.
3. Use quoting tools, select plans, riders, and draft dates.
4. Review Existing Coverage/Replacement details. Max coverage: $40k SIWL, $20k GDB, $10k GI.
5. Enter Beneficiary and Payor information. Round up options available.
6. Capture electronic signatures or initiate voice signature process.
7. Once signatures are complete, click “Underwrite Case” to trigger real-time decision.

Phone Application

Steps:

1. Pre-qualify the applicant using POS Agent Worksheet (Form 2416-A).
2. Call (866) 281-9228 to complete the interview.

Agent Info:

• Provide your RNA Agent ID and confirm whether you are with the client.
• Deliver the Information Release Notice Form 231115-INFO (or FL version) and all required disclosures. If remote, applicant will choose how to receive disclosures (email, text, or read aloud).
• Answer health questions and collect voice signature. Interviewer will confirm approval, decline, or refer to underwriting.

Paper Application

Use the following forms:

• Application Form 231115 (with ICC and state-specific versions)
• Agent Report – Form 231115-AGT
• EFT Authorization – Form 231115-EFT (if premium is to be drafted)
• Information Release Notice Form 231115-INFO (state-specific)

Submission Options:

• Email: secureapps@royalneighbors.org (via secure email system)
• Agent Web Portal: Use “Send a Secure Email” option
• Agent Access Mobile App: Scan and send directly to RNA secure mailbox
• Fax: (866) 787-1450 (no cover sheet required)
• Mail: 230 16th Street, Rock Island, IL 61201

Important Notes:

• Royal Neighbors will notify agent if the certificate cannot be issued.
• Electronically signed paper applications are prohibited.
• Ensure bank account information is accurate — verification is required before issue.

Check Application Status

• My Business > Pending > Recent Action
• Or via Agent Access Mobile App (create account and view Pending Business)

Pre-Qualification & Application Guidelines

Pre-Qualify the Applicant

All applicants must be pre-qualified before submitting an application for SIWL, GDB, or GI coverage with Royal Neighbors of America. Agents are expected to follow these steps:

1. Verify Identity: View a valid government-issued photo ID such as a current driver’s license, state ID, or passport. If unable to verify identity, this must be noted in the Agent’s Report section during the application interview.
2. Confirm Eligibility: Individuals who are not eligible for coverage include:
   • Anyone without a Social Security number
   • Anyone who is not a U.S. citizen or permanent resident (Green Card holder)
   • Anyone mentally incompetent or otherwise unable to legally contract
   • Any applicant or owner with a felony conviction (regardless of face amount)
   • Anyone who already owns $40,000 in SIWL, $20,000 in GDB, or $10,000 in GI with Royal Neighbors
   • Anyone with three or more lapsed certificates with Royal Neighbors
3. Use the POS Agent Worksheet: Complete Form 2416-A to prepare for the phone interview and reduce delays.
4. Review Medical Questions: Use Section 6 of the application (Form 231115 or state-specific versions) along with the Risk Assessment Guide.
5. Disclosure Documents: If meeting in person, provide the applicant with the Information Release Notice (Form 231115-INFO or FL version 231115-INFO-FL) and all other required disclosures, including Replacement and Accelerated Death Benefit Rider forms.

If there are any questions regarding medications, eligibility, or the pre-qualification checklist, agents should call Underwriting at (309) 788-4561, Option 1, Option 1, Option 1.

Certificate Delivery

All insurance certificates will be mailed directly to the certificate Owner.

Reinstatement

To reinstate a lapsed certificate, the owner must pay all past-due premiums necessary to bring the policy current. Requirements and procedures for reinstatement are defined in the Insurance Certificate.

Re-date Policy

A re-date updates the certificate’s effective date to a new current date, with premium payments beginning as of the new date. Royal Neighbors allows one re-date per certificate, and only within the first 60 days after issue. Submit re-date requests to the Underwriting Department at (309) 788-4561, Option 1, Option 1, Option 1.

Acceptable Ownership and Primary Beneficiary Designations

Royal Neighbors of America requires that both policy ownership and primary beneficiary designations meet insurable interest standards. The table below provides general guidance for agents on what combinations are acceptable, what to expect during the application process, and what underwriting may require for approval.

Note: Some unusual relationships (e.g., friend, aunt, bank) may require contingent beneficiaries and additional justification of insurable interest.

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:

Use EIWL Graded Benefit for people outside these ranges.

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: service@unitedhomelife.com

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

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

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

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

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

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.