United Home Life (UHL) was founded in 1948 and is subsidiary of United Farm Family Life Insurance Company of Indianapolis, Indiana. UHL specializes in simple life insurance policies life for smaller dollar amounts. Over $2 billion in assets and over $20 billion of in-force life insurance is the combined strength of the companies. United Home Life is leader in eApplications which are available for use with whole life, final expense, term, and accident policies.
UHL Insurance Products - 5 types of Whole Life/FEX Policies:
United Home Life simplified issue term products are one of the easiest applications on the market. Read the application, if the application can qualify via the application, they qualify. United Home Life is one of my favorite carriers. UHL will accept applicants that other won't since they have 5 different whole life policies! United Home Life's Term 20 DLX will accept diabetics on insulin (Table 8) up to $50,000! United Home Life's final expense and term applications are true "yes/no", "stacked" applications built to help you know what product to recommend to your clients. Easy to use.
Contract via NAAIP for United Home Life:
(ask us about recruiter level which is higher than what is listed below)
Provider Whole Life year one - 122.50%, year two - 16%, year 3-10 - 6%. FEX Whole Life year one - 115%, year two - 15%, year 3-5 8%, year 6-10 2%. GIWL year one - 75%, year 2-10 2.5%, Accident Only year one - 105%, year 2-5 - 2.5%. Term Life year one - 115%. Schedule GA+ 3045.
NAAIP has a terrific system to help agents succeeed in this business. Step #1 - Sign up for the NAAIP website. We will help you in move your website up Google and as well as steps you that are need to be a successful 21st Century agent.
New business can be sent directly to UHL for processing if you have a writing number - till you have a writing number email application to email@example.com.
Access state specific new business applications prior to contracting through UHL’s website, www.unitedhomelife.com by following these instructions:
1) At top right - Click on “Agent Login” tab.
2) Click on “Applications”
3) Select State and password of “USA”
4) Quick Quote & Forms also use "USA"
7) AL, GA, KY, LA, OK, OH, PA, TX and VT are pre-appointment states. Otherwise, new apps and contracting can be submitted concurrently.
8) No E & O is required. No appointment fees, No dual contracting, UHL is in all states except NY, AK, WY and MT. AML Training is mandatory
Know Before You Go: Point of sale phone interviews (phi) M-F 8:30am to 8:30pm all time zones 866-333-6557 (English or Spanish). Agent knows sale is approved immediately. PHI is required at point of sale or later on all UHL sales (except GIWL & ‘Accident Only’ Protector WL).
Please contact firstname.lastname@example.org for contracting link that will come directly from email@example.com. Please consult with us before your first sale.
eApps by UHL - PlaybookPrepare your game plan with United Home Life's eApp Playbook - perfect for navigating the X's and O's. A great guide to have in hand if you've never used UHL's eApp, or need a refresher. eSignature Options & Best Practices - Study the rules of the game and learn how to properly obtain electronic signatures.
More United Home Life Contracting/Appointment Information:United Home Life pays all appointment fees. In pre-appoint states, the agent must be contracted and appointed before writing business (AL,GA,KY,LA,OK,OH,PA,TX,VT). In all the other states, UHL appoints when business comes in.
Background reports are ordered at the time business comes in, UNLESS the agent is in one of the following states: AR,CA,DC,FL,ND,NV,OH,PA,TN,WV. In these states, the background is ordered when eContracting is completed and submitted to us. UHL doesn’t typically look at credit scores. United Home Life reviews bankruptcies and criminal history. Agents with more than one Vector over $1,000 cannot be contracted.
Once a link is sent, an agent code is assigned. 48 hours is the usual time for an agent to show up on the United Home Life website. In states (other than AR,CA,DC,FL,ND,NV,OH,PA,TN,WV), United Home Life will do the background at the first sale.
If an agent has written no business in his/her first year, UHL will generally terminate the contract, and to reinstate the agent will have to pay the state appointment fee if UHL paid it beforehand.
General Agent Transfer Guidelines:For any agent who has been/or is actively contracted with United Home Life/United Farm Family Life:
Appointed Less Than 6 Months: Needs a release from existing MGA regardless of production. After 6 months from date of transfer, new MGA may request a contract level increase.
Appointed For 6 Months Or Longer: Needs a release from existing MGA if the agent has received any 1st year commissions, including overrides, in the past 6 months. Otherwise no release is needed. After 6 months from date of transfer, new MGA may request a contract level increase, unless transferring from a Sub-Agent contract.
Transferring Agent Has Downline: Needs a release from existing MGA if the agent has received any 1st year commissions, including overrides in the past 6 months. Otherwise no release required. Entire downline will move with transferring agent. New upline assumes responsibility of all downline agents. After 6 months from date of transfer, new MGA may request a contract level increase. Current upline can email UHL.Marketing@unitedhomelife.com agreeing to release. The agent should have the upline cc that email to you so you have proof then you can communicate that release to UHL.
Past Production/Conduct: If prior contract was cancelled for poor persistency, underwriting concerns, paid to submit ratio, debit balance, etc., new contract may be immediately denied due to history with the Company.
Debit Balance: Any debit balance must be paid in full before transfer is processed.
Does United Home Life require Anti-Money Laundering Training (AML)?
Building a downline with United Home Life:
In your United Home Life back office. > materials > agent services > general agent econtracting. Pay at issue is fastest pay to agent. The payment draft date (pay with premium) must be on the same calendar month, but can be up to 30 days later. Pay with issue is when the client has payed and is issued the policy. No annualization is least risky to the upline. email: firstname.lastname@example.org to changes to downline and advance status.
United Home Life Insurance Company Overview:
United Home Life focuses on serving individuals and families by providing simple life insurance at affordable rates.
United Home Life is also recognized by all top ratings providers, including A.M. Best rating with a Rating of A-. Its parent company is rated A by A.M. Best.
United Home Life Insurance 225 South East Street Indianapolis, Indiana 46202
United Home Life - Electronic Applications »
United Home Life - Return of Premium Term Life »
United Home Life - Filling out a Life Application - 2013 »
* The information provided is intended for United Home Life licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.
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