2024 United Heritage Burial Insurance Review – Pros & Cons
last updated on July 22, 2024Our United Heritage burial insurance review will help you make an informed decision by examining the company’s burial insurance or final expense products.
United Heritage offers different life insurance products, but this review will only focus on United Heritage burial insurance products.
After reading our United Heritage burial insurance review, you can decide if their burial insurance plans are best for your needs.
| UNITED HERITAGE FUNERAL FUNDS 5-STAR RATING | |
|---|---|
| First-day Coverage | ★★★★★ |
| Ease of Approval | ★★★ |
| Coverage Amount | ★★★★ |
| Pricing | ★★★★ |
| Riders | ★ |
FOR EASIER NAVIGATION:
- Does United Heritage Offer First-day Coverage?
- Pros of United Heritage Burial Insurance
- Cons of United Heritage Burial Insurance
- United Heritage Burial Insurance Product
- When Does United Heritage Burial Insurance Make the Most Sense?
- United Heritage Underwriting Guidelines
- United Heritage Pricing Examples
- Getting Approved for United Heritage Burial Insurance
- The Best Payment Option
- United Heritage Company Overview
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On United Heritage Life Insurance
Does United Heritage Offer First-day Coverage?
YES, United Heritage has a burial insurance plan offering first-day coverage, but it tends to be more expensive than other companies.
If you qualify, their Protector whole life immediate coverage plan will cover you from day one. Once approved, the company will pay a 100% death benefit when you pass away.
Pros Of United Heritage Burial Insurance
1-year lookback period – on cancer and heart issues. Pacemaker implants after one year are considered for immediate coverage.
Simple application – the company also does not conduct a point of sale interview as part of the underwriting process.
Cons Of United Heritage Burial Insurance
Financial rating – their rating was downgraded from “A-” to “B++.” This rating is still good, and it shows they are still able to pay policyholders on time. But, if you want peace of mind, it’s better to get a plan from “A” rated or better company.
United Heritage Burial Insurance Products
United Heritage has two types of burial insurance plans you can qualify for depending on your health. These plans include an immediate death benefit plan and a modified death benefit that works like a guaranteed issue burial insurance.
United Heritage Burial Insurance Product Features
- Simplified Issue – no medical exam, just a few health questions
- Guaranteed premiums – premiums will remain the same for life
- Guaranteed death benefit – death benefit will never decrease
- No cancellations due to age – the policy will not be canceled when you reach 80 years old
Protector Whole Life – Immediate coverage
This is a whole life insurance policy. It is issued to people from 0-85 years old.
You can buy as little as $1,000 up to a maximum of $35,000 in coverage. No medical exam or doctors’ records are needed to qualify for this plan, but you must answer NO to all the health questions to be eligible.
The Protector whole life plan is a level death benefit with immediate coverage from day one. Once approved, the company will pay the full death benefit when you die.
Protector – Modified Benefit
The other burial insurance plan offered by United Heritage is Protector modified benefit that acts like a guaranteed issue burial insurance. This policy is designed for those, not in the best of health or those with pre-existing medical conditions.
The death benefit payout is modified for the first two years. If you die from non-accidental causes during the first two years, your beneficiaries will receive 100% of all the premiums you paid plus 5% interest.
While it won’t be the full death benefit, it is better than letting your money sit in the bank for that time. The protector-modified benefit is very much similar to guaranteed issue policies.
When Does United Heritage Burial Insurance Make The Most Sense?
United Heritage has a 1-year lookback period on cancer.
United Heritage Underwriting Guidelines
You are not required to take a medical exam to qualify for Protector whole life or Protector modified benefit, but you need to answer a set of health questions.
You need to respond NO to all the health questions to qualify for a Protective whole life policy with immediate coverage. If you answered YES to one or more health questions, you would be eligible for their Protector modified plan.
United Heritage performs a prescription history check to look for all the drugs you are taking and for what condition. Some prescription drugs are a red flag and may cause you to only qualify for the Protector modified plan.
The company also reviews the Medical Information Bureau file as part of the underwriting process. United Heritage makes approval in 2-3 business days. They also don’t require a point-of-sale interview. They will simply communicate with your agent for any information they need.
HEALTH QUESTIONS
Here’s a copy of the health questions they ask on the application.
KNOCKOUT SECTION
- Is the proposed insured currently bedridden, confined to a hospital, nursing home, long-term care, correctional, or psychiatric facility, receiving hospice or home health care, or been diagnosed by a member of the medical profession with a terminal illness (life expectancy of twelve (12) months or less? (Yes – No)
- Does any proposed insured currently require human assistance or supervision with any of the following specified activities: eating, toileting, transferring from bed to chair, bathing, maintaining continence, or dressing; or use a wheelchair due to an illness or disease? (Yes – No)
- Has the Proposed Insured been advised by a member of the medical profession for Acquired Immunodeficiency Syndrome (AIDS) or AIDS-related complex (ARC), or tested positive for the Human Immunodeficiency Virus (HIV) antibodies or antigens? (Yes – No)
- Has any Proposed Insured been advised by a member of the medical profession to have an organ or bone marrow transplant, amputation due to disease within the past five (5) years, or within the past twelve (12) months received kidney dialysis or been prescribed or used oxygen to assist breathing? (Yes – No)
- Had any Proposed Insured been diagnosed as having or received treatment by a member of the medical profession for Alzheimer’s disease, dementia, organic brain disease, ALS (Lou Gehrig’s disease) Huntington’s disease, or any end-stage disease? (Yes – No)
- Has any Proposed Insured been diagnosed as having or received treatment by a member of the medical profession for cystic fibrosis, Duchenne muscular dystrophy, sickle cell anemia, spina bifida not surgically repaired, or any other heart birth defects not surgically repaired, or diabetes prior to age eighteen 18? (Yes – No)
- Has any Proposed Insured diagnosed as having or received treatment by a member of the medical profession for heart attack, stroke, or Transient Ischemic Attack (TIA) within the past six (6) months? (Yes – No)
- Has any Proposed Insured been diagnosed with or received treatment by a member of the medical profession for more than one occurrence of the same or different type of cancer (excluding basal cell skin cancer) in their lifetime, have pending diagnostic test(s) to rule out internal cancer, leukemia, or melanoma, or within the past twelve (12) months had internal cancer, leukemia, or melanoma (excluding basal cell skin cancer)? (Yes – No)
- Is the Proposed Insured awaiting test results or diagnosis from an examination by a member of the medical profession performed in the past five (5) years, or within the past five (5) years has any Proposed Insured been advised by a member of the medical profession to have a surgical operation or diagnostic test, other than routine screening and test related to the Human Immunodeficiency Virus (AIDS virus), that has not been completed? (Yes – No)
If you answer YES to any of the knockout sections, you will be offered the Protector Modified Benefit plan.
MODIFIED SECTION
- Within the past twenty-four (24) months has any Proposed Insured been diagnosed, tested positive for, received treatment, or been identified by a member of the medical profession as having any of the following: kidney insufficiency/ kidney disease, brain tumor, angina pectoris (chest pain), taken nitro/nitrates, stroke/TIA, aneurysm, heart attack, had an increase in dosage for a medication to control blood pressure, or any other heart or circulatory disease? (Yes – No)
- Within the past twenty-four (24) months has any Proposed Insured had or been advised by a member of the medical profession to have surgery to the heart or blood vessels, including a stent, bypass, angioplasty, pacemaker, or defibrillator installation? (Yes – No)
- Within the past twenty-four (24) months has any Proposed Insured been diagnosed, tested positive for, received treatment taken medications, or been identified by a member of the medical profession as having any of the following: liver cirrhosis, liver disease, drug or alcohol abuse (including prescription drugs), or been advised to reduce the consumption of alcoholic beverages due to alcohol abuse? (Yes – No)
- Has the Proposed Insured ever been diagnosed by a member of the medical profession with cerebral palsy, congestive heart failure, cardiomyopathy, Down syndrome, mental retardation, spina bifida (surgically corrected), muscular dystrophy (other than Duchenne muscular dystrophy), or blood disorder? (Yes – No)
- Within the past twenty-four (24) months has any Proposed Insured been diagnosed, treated, taken medications, tested positive for, or been identified by a member of the medical profession as having any of the following:
- Chronic bronchitis, emphysema, tuberculosis, chronic obstructive pulmonary disorder (COPD), sarcoidosis, black lung disease, or chronic respiratory disorder (excluding asthma or sleep apnea)? (Yes – No)
- Chronic pancreatitis, ulcerative colitis, Crohn’s disease, Hepatitis B, Hepatitis C, chronic hepatitis, or chronic liver disorder? (Yes – No)
- Bi-polar, schizophrenia or any other psychotic disorders, or institutionalized for a mental or nervous disorder? (Yes – No)
- Systemic lupus, multiple sclerosis, Parkinson’s disease or any other chronic muscular or chronic neurological disorder (except epilepsy) (Yes – No)
- Within the past thirty-six (36) months has any Proposed Insured been diagnosed, treated (including prescription medications), tested positive, or been identified by a member of the medical profession as having internal cancer, melanoma, or leukemia? (Yes – No)
- Has any Proposed Insured used insulin shots for diabetes prior to age 50, had a Hemoglobin A1c at 10 or higher within the last twenty-four (24) months, or even been treated for complications of diabetes (including insulin shock, diabetic coma, retinopathy (eye), or nephropathy (kidney), by a member of the medical profession? (Yes – No)
- In the past, twenty-four (24) months has any Proposed Insured been convicted of three (3) or more moving violations or had their driver’s license suspended or revoked? (Yes – No)
If you answer NO to all the health questions in the knockout section and modified section, Congratulations! You are qualified for the Protector whole life with immediate coverage.
United Heritage Pricing Examples
| FEMALE AGE | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $15.80 | $27.23 | $38.66 | $50.09 | $61.51 |
| 55 | $17.74 | $31.10 | $44.46 | $57.82 | $71.18 |
| 60 | $18.99 | $33.60 | $48.21 | $62.83 | $77.44 |
| 65 | $22.69 | $41.00 | $59.32 | $77.63 | $95.94 |
| 70 | $28.24 | $52.10 | $75.96 | $99.82 | $123.68 |
| 75 | $37.99 | $71.60 | $105.21 | $138.83 | $172.44 |
| 80 | $57.19 | $110.00 | $162.81 | $215.62 | $268.43 |
| MALE AGE | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $18.71 | $33.05 | $47.39 | $61.72 | $76.06 |
| 55 | $21.60 | $38.82 | $56.05 | $73.27 | $90.50 |
| 60 | $23.06 | $41.75 | $60.43 | $79.12 | $97.80 |
| 65 | $28.61 | $52.85 | $77.09 | $101.33 | $125.56 |
| 70 | $37.59 | $70.80 | $104.01 | $137.22 | $170.43 |
| 75 | $52.44 | $100.50 | $148.57 | $196.63 | $244.69 |
| 80 | $81.19 | $158.00 | $234.81 | $311.62 | $388.43 |
*Pricing for illustration purposes only and are subject to change without notice.
Getting Approved For United Heritage Burial Insurance
| BURIAL INSURANCE APPLICATION PROCESS | |
|---|---|
| Rates & coverage | Agent can help provide help with this |
| Underwriting | Agent will help you qualify for the best plan |
| Beneficiary | You determine who will get your death benefit |
| Application | Agent submits application to insurance company |
| Approval | Congratulations on your new policy! |
| Policy start date | Policy active after 1st payment date |
| Policy delivery | 7-10 business days after first draft date |
The Best Payment Option
| PAYMENT METHOD | RECOMMENDED? |
|---|---|
| Savings Account | Best way to pay |
| Checking Account | Best way to pay |
| Cash | Not recommended |
| Money Order | Not recommended |
| Cashier's Check | Not recommended |
| Debit Card | Not recommended |
| Credit Card | Not recommended |
| Direct Express | Not recommended |
| PAYMENT FREQUENCY | RECOMMENDED | ACCEPTED BY |
|---|---|---|
| Monthly | Recommended | All Companies |
| Quarterly | Not Recommended | Some Companies |
| Semi-annually | Not Recommended | Some Companies |
| Annually | Not Recommended | Some Companies |
United Heritage Company Overview
United Heritage Life was founded in 1934 as Grange Mutual Life Company. It used the name Grange Mutual until 1991, when the United Heritage Mutual Life Insurance Company was adopted as the new name. United Heritage offers a diverse line of products, including life insurance, final expense insurance, preneed insurance, annuities, and group life and disability insurance.
United Heritage Life was adopted as the company’s new name from the United Heritage Mutual Life Insurance Company in August 2001. It is a company dedicated to life insurance needs. They distribute products through licensed independent agents in 49 states and the District of Columbia. The company headquarters are located in Meridian, Idaho.
FINANCIAL RATING
Third-party rating organizations help applicants to get an idea of the overall financial stability of an insurance company. United Heritage Life Insurance Company is rated “B++” or “good” by A.M. Best.
United Heritage Financial Group has an A+ rating with the Better Business Bureau (BBB)
How Can Funeral Funds Help Me?
Finding a policy if you want United Heritage’s final expense plan needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you at every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for United Heritage funeral insurance, United Heritage burial insurance, or United Heritage life insurance.
Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On United Heritage Life Insurance
Is United Heritage Life Insurance still in business?
United Heritage Life Insurance is still in business. The company has been operating since 1934 and is headquartered in Meridian, Idaho.
Is United Heritage Life Insurance legitimate?
Yes, United Heritage Life Insurance is a legitimate company. It is licensed in all 50 states and has an A+ rating from the Better Business Bureau.
Who owns United Heritage Life insurance?
The Butler family privately owns the company.
How long has United Heritage Life been in business?
The company has been in operation since 1934.
What is United Heritage Life’s financial rating?
The company has an A+ rating from the Better Business Bureau. And A- with Kroll Bond Rating Agency.
Is United Heritage Life a publicly-traded company?
No, the company is privately-owned.
What is United Heritage Life’s website?
Check out United Heritage Life at https://www.uhlife.com
What is the mailing address for United Heritage Life?
United Heritage Life Insurance Company
P.O. Box 7777
Meridian, Idaho 83680
What is United Heritage Life insurance phone number?
Call United Heritage at (800) 657-6351
What is United Heritage Life’s customer service number?
(208) 466-7856
What is United Heritage Life’s email address?
unitedheritagelife.com/contact-us/. You can also email the company at info@unitedheritagelife.com.
What is United Heritage Life’s members’ login?
You can visit the company website at https://www.unitedheritagelife.com and click on the “Login” button in the upper left-hand corner. Then, enter your username and password.
Where is United Heritage Life located?
The company is headquartered in Meridian, Idaho. It also has offices in Dallas, Texas, and Salt Lake City, Utah.
What states does United Heritage Life operate in?
The company is licensed in all 50 states.
Does United Heritage Life have a Facebook page?
Yes, the company does have a Facebook page. You can find it at https://www.facebook.com/unitedheritage.
What is United Heritage Life corporate address?
707-E United Heritage Ct.
Meridian Idaho 83642
Where can I find United Heritage Life insurance reviews?
Continue reading to know how United Heritage compares with its competition.
Where can I find United Heritage Life BBB reviews?
The company has an A+ rating from the Better Business Bureau.
Is United Heritage Life a scam?
No, the company is not a scam. It is a legitimate insurance company that has been in business since 1934.
How can I get a United Heritage Life insurance quote?
Fill in the quote box to get a free quote.
How can I make United Heritage Life insurance online payment?
You can make a payment online through the company website. Click on the “Payments” link at the top of the page, and then choose the appropriate payment method.
What is the mailing address to send payments to United Heritage Life?
United Heritage Life Insurance Company
P.O. Box 7777
Meridian, Idaho 83680
How can I access United Heritage Life insurance claim form?
You can find the company’s claim form on its website. Click on the “Claims” link at the top of the page, and then select the type of claim you want to file.
What is the phone number for United Heritage Life insurance claims?
(208) 466-7856
What is the email address for United Heritage Life insurance claims?
unitedheritagelife.com/contact-us/. You can also email the company at info@unitedheritagelife.com.
Where can I check United Heritage Life insurance complaints?
The company doesn’t have any complaints on the Better Business Bureau website. However, you can read United Heritage Life insurance reviews on other websites.
Is there a grace period for United Heritage Life insurance payments?
Yes, there is a 30-day grace period for making payments.
What are the different life insurance products offered by United Heritage Life?
The company offers term life insurance, whole life insurance, and universal life insurance.
How old do you have to be to apply for United Heritage Life insurance coverage?
Anyone who’s 50-85 can apply for coverage.
Can you get first-day coverage with United Heritage Life?
Yes, you can get first-day coverage with the company.
What is the minimum and maximum coverage amount for United Heritage Life insurance?
The company offers coverage amounts of $1,000 to $500,000.
What is the policy cancellation fee for United Heritage Life insurance?
The company doesn’t have a policy cancellation fee.
What is the surrender charge for United Heritage Life insurance?
The company doesn’t have a surrender charge.
Do I have to take a medical exam for United Heritage Life insurance?
No, you don’t have to take a medical exam for coverage. However, you may have to take one if you want to increase your coverage amount.
What are the pros and cons of United Heritage Life insurance?
The pros of United Heritage Life insurance are that it offers a wide range of life insurance products, no medical exam required for coverage, and a 30-day grace period for making payments. The cons of the company are that it doesn’t have a policy cancellation fee, and the customer service department is only open from Monday to Friday, 8 a.m. to 5 p.m. Mountain Time.
How much life insurance can you get with United Heritage Life insurance?
You can get life insurance coverage amounts of $1,000 to $35,000.
What does United Heritage Life insurance cost?
The cost of United Heritage Life insurance depends on the applicant’s age, the type of coverage, and the amount of coverage.
Where can I get United Heritage Life insurance pricing?
You can get a free quote by submitting a request in our quote box on this website.
Is United Heritage Life insurance expensive?
United Heritage Life insurance pricing is not the lowest-priced company available.
Does United Heritage Life ask health questions?
Yes, United Heritage Life insurance asks health questions. The company wants to know if you have any health conditions affecting your life insurance coverage.
Does United Heritage Life have a waiting period?
No, United Heritage Life does not have a waiting period.
What are the riders offered by United Heritage Life insurance?
The company offers accidental death, waiver of premium, and children’s term insurance riders.
Does United Heritage Life insurance accumulate cash value?
Yes, United Heritage Life’s whole life insurance accumulates cash value.
What other benefits does United Heritage Life offer?
United Heritage Life offers additional riders that may be beneficial based on your unique situation.
Does United Heritage Life insurance expire?
No, United Heritage Life insurance does not expire.
How can I find a replacement for my United Heritage Life insurance policy?
You can contact the company’s customer service department at 1-800-872-4242.
How do I cancel my United Heritage Life insurance policy?
You can cancel your policy by contacting the company’s customer service department at 1-800-657-6351.
