United Home Life Insurance Company - NAAIP's Favorite Carrier

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United Home Life Agent Contracting

Summarized View:

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:

  • Provider Whole Life Insurance - No Exam - Standard/Preferred Cases
  • Ages 0-80
  • From $10,000-$150,000 for ages 0-50 years old
  • From $10,000-$100,000 for ages 51-60 years old
  • From $10,000-$50,000 for ages 61-80 years old
  • Terminal Illness Accelerated Benefit Included
  • Child & accidental death benefit Rider Optional
  • Policy cannot be cancelled as premiums are paid
  • A simple medical questionnaire
  • Provider Whole Life is not shown on FEXQuotes.com but has low rates & accelerated benefits!
  • UHL's Provider WL is NAAIP's Best Selling Product - see brochure
  • Express Issue Deluxe & Premier allow lower face amounts and start at age 20
  • Guaranteed Issued & Graded Issue Whole Life Insurance
  • Issue Ages: 25-80
  • Face Amounts: $2,000-$25,000
  • United Home Life FEX Application - Sample - California
  • GI issues ages 45-75 - 1st 2 years: ROP plus 8% for first 2 years. The full benefit paid if death by accident.

  • Graded policy ages 25-80 with ROP - 1st 2 years

  • Face amounts of above $10,000 have included riders: hospital waiver of premium, identity theft waiver of premium, and common carrier (plane, train bus, taxi) ADB (accidental death benefit).

  • Policy cannot be cancelled as premiums are paid
  • Simple Issue Term Life
  • 4 products on 1 yes/no form/application.
  • 20 or 30 Year Term - ROP option for 20 Year Term.
  • Simple application - No Medical Exam - Phone interview to close sale.
  • Ages 18-45 to $300,000 of Term Life.
  • Ages 46-55 to $250,000 of Term Life.
  • Ages 56-60 to $150,000 of Term Life.
  • ROP feature “gives back” premiums.
  • Child Rider Free of $5,000 on policies over $100K.
  • Guaranteed level premiums.
  • Terminal illness rider at no cost.
  • Direct monthly, bank or credit card billing option.
  • Policy fees commissionable.
  • Accident Insurance
  • Guaranteed level premium for up to 20 years.
  • Return of premium feature - All payments can be returned at the end of policy year 20!
  • $50,000, $75,000, $100,000 face amounts.
  • Three corresponding monthly EFT premium amounts: $17.18,$21.42 or $25.67.
  • Premiums not dependant on age, gender or smoker status.
  • Coverage doubles over the 20 year policy.
  • Keep It Simple With Protector AD!
  • Just One Non-Health Question On The App!
  • Do you have clients who commute to work? Did you know one person dies every 14 minutes in a car accident?
  • Protector AD accidental death coverage provides need protections, with no medical underwriting.
  • It's available on eApp!
  • Post cards and flyers approved for use with consumers.
  • Protector AD - simple app, simple product, simple sale!
  • Most occupations accepted including police, firefighters, sawmill, truckers, window washers, logging, and construction.


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 david@naaip.org.


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 david@naaip.org for contracting link that will come directly from producerexpress@sircon.com. Please consult with us before your first sale.


eApps by UHL - Playbook

Prepare 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)?
Every actively licensed agent is required to take an AML course every two years.Proof of completion of an AML course every two years is required by the Company to maintain compliance.Proof can be submitted to the Home Office via fax to 317-692-7215 or via email to UHL.Contracting@unitedhomelife.com. Acceptable AML proof is:
A copy of a certificate of completion for an AML course offered by a vendor or other carrier.
A copy of a certificate of completion plus the outline for a CE course that includes AML training from a certified continuing education provider such as a State Insurance Department.
The completion date of the last AML course completed through LIMRA’s program in mm-dd-yyyy format.The Company does not subscribe to LIMRA’s program so we have no way to verify dates.Provide the full completion date and/or a screen shot of your AML course list.
Completion of the UHL/UFFL AML course on our website.This course will automatically display at log in when an agent’s AML status is about to expire.

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: uhl.contracting@unitedhomelife.com 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

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United Home Life Videos that Help You Sell

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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