United Home Life Insurance Review (2024)

United Home Life Insurance Company provides term life and whole life insurance policies. Although United Home Life insurance rates are private, it has $111.1 Million in total assets. United Home Life is a subsidiary of United Farm Family Life Insurance Company, and it carries an "A-" rating with A.M. Best.

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Home » Companies » United Home Life Insurance Review (2024)

Written by:

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson

Insurance Lawyer

Reviewed by:

Mary Martin

Published Legal Expert

Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...

Full Bio →
Reviewed by Mary Martin

Published Legal Expert

UPDATED: Oct 21, 2024

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Company Details
Address: 225 South East Street
City: Indianapolis
State: IN
ZIP Code: 46202
Phone Number: 317-692-7979
Year Founded: 1948
AM Best Rating: A-
URL where was collected the AM Best Rating: https://www.unitedhomelife.com/consumer/our-story/financials.html
Lines of Insurance: Life Insurance
States Licensed To Sell Insurance In: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Type of Insurance Company: Life Insurance
Parent Company: United Farm Family Life Insurance Company
Assets & Premiums:

Total Assets: $111.1 Million / Direct Premiums: $53.8 Million

3.64 (67 reviews)

United Home Life Insurance Company is one of the smaller life insurance providers in the United States. However, it has a stable financial strength, and it’s available across the country except for Alaska and New York.

But how can you get United Home Life Insurance quotes? Read our United Home Life Insurance Company review and learn more about United Home Life insurance rates, third-party ratings, and much more.

Why stop at United Home Life? You can enter your ZIP code to compare the best insurance companies in your local area.

What products are available at United Home Life Insurance Company?

United Home Life Insurance Company focuses on providing life insurance products for customers across the United States. Unlike most life insurance companies, United Home Life doesn’t have an annuity program.

However, it does have a diverse selection of life insurance policies. Here’s a list of available life insurance product policies.

  • Simplified Issue Whole Life
  • Guaranteed Issue Whole Life
  • Term Life
  • Accidental Death Insurance

United Home Life allows policyholders to customize their life insurance policies to ensure the best service.

The maximum death benefit for term life insurance coverage at United Home Life is $150,000. Meanwhile, whole life policies are available for customers between 20 and 80 years old.

If you’re thinking about life insurance, look into estate planning law and final expense life insurance.

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How much are United Home Life insurance rates?

If you’ve had trouble finding United Home Life insurance rates, you’re not alone. The company has private life insurance rates.

It’s not unusual for insurance provider companies to be tight-lipped about life insurance quotes. It can be frustrating, especially when you’re looking for affordable United Home Life insurance quotes.

The best way you can get a United Home Life insurance quote is to contact them at 1-800-428-3001. The office hours are from 8:00 a.m. to 6:30 p.m.

If you need to make a payment to start your life insurance policy, create a United Home Life login or make a one-time payment at https://onpay.unitedhomelife.com/.

Navigating United Home Life Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Filing an insurance claim can be a crucial aspect of your experience with an insurance provider. United Home Life Insurance offers multiple convenient methods for policyholders to file their claims. You can choose between filing a claim online, over the phone, or through mobile apps. This flexibility ensures that policyholders can select the method that best suits their preferences and needs.

Average Claim Processing Time

The speed at which an insurance company processes claims is a vital factor for policyholders who may be in urgent need of financial support. While specific processing times can vary depending on the nature of the claim and the documentation provided, United Home Life Insurance strives to process claims efficiently.

It’s advisable to inquire about the estimated processing time when filing your claim to have a better understanding of what to expect.

Customer Feedback on Claim Resolutions and Payouts

One of the most reliable ways to gauge an insurance company’s performance is through customer feedback regarding claim resolutions and payouts. United Home Life Insurance has received feedback from policyholders, and it’s important to consider these experiences when evaluating the company’s services.

Reviews from customers who have gone through the claims process can provide valuable insights into the company’s reliability and responsiveness.

Unveiling United Home Life Insurance Digital and Technological Advancements

Mobile App Features and Functionality

In today’s digital age, having a user-friendly mobile app can greatly enhance the overall customer experience with an insurance provider. United Home Life Insurance offers a mobile app that comes equipped with various features and functionalities.

These may include the ability to access policy information, make payments, file claims, and receive updates on your insurance account. Understanding the features available on the mobile app can help you make the most of this convenient tool.

Online Account Management Capabilities

Managing your insurance policies and accounts online can save you time and effort. United Home Life Insurance provides online account management capabilities that allow policyholders to review and update their policies, track claims, and access important documents. It’s essential to explore these online tools to make the most of your insurance experience.

Digital Tools and Resources

In addition to mobile apps and online account management, United Home Life Insurance may offer various digital tools and resources to assist policyholders.

These tools could include premium calculators, educational materials, and resources to help you understand your policy better. Exploring the digital resources available can empower you to make informed decisions regarding your insurance coverage.

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Does United Home Life Insurance Company have good reviews?

That may be a matter of perspective. However, A.M. Best and the Better Business Bureau interpret United Home Life’s performance as excellent.

Let’s review United Home Life’s ratings in the data below.

United Home Life Financial Strength, Credit Rating, and Customer Review
Rating AgencyRatings
A.M. BestA-
A.M. Best Credit Ratingsa-
Better Business Bureau (BBB)A+
BBB Customer Review Rating1 out of 5
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According to Business Wire, United Home Life has maintained an “A-” since May 2019. United Home Life’s credit rating stands at “A-.” Although this is a good rating, it means United Home Life has long-term credit risk.

The BBB ratings are a display of United Home Life Insurance Company’s performance with customers. United Home Life performs better than some big insurance companies, and it’s an accredited business.

United Home Life History

You know all about United Home Life insurance products and rates, but what is United Home Life?

United Home Life was established in 1948. It functions as a subsidiary of United Farm Family Life. However, both companies are owned by the Indiana Farm Bureau.

You’re likely to find a United Home Life policy through an agent. United Home Life sells life insurance nationwide, but it doesn’t sell insurance in Alaska and New York.

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United Home Life Insurance: What’s the bottom line?

You won’t know how much you’ll pay for United Home Life until you get in contact with an agent. United Home Life’s competitors may be able to respond much faster.

If you need more options, you may want to start shopping around for life insurance coverage.

Before you buy United Home Life insurance, compare multiple companies using our free online quote tool.

Reviews
for United Home Insurance Company

3.64 (67 reviews)
5
October 6, 2020

kaka112

easy to use , very cheap and comfortable

it's very good for any body and easy to use it for customers i will share this review on all social media
5
November 15, 2019

CottonTop

GREAT Company / GREAT Service / GREAT Results

I have had two very positive experiences with this company in just over a year. First off, we were quite taken with the competitive homeowners' quote and we jumped on board. In my business, I see many companies offering really good rates for the first year, but they more than make up for it on the first renewal. I'm pleased to state the my premium DECREASED by nearly $70.00 with the first renewal. Secondly, I recently met a deer with the front...
I have had two very positive experiences with this company in just over a year. First off, we were quite taken with the competitive homeowners' quote and we jumped on board. In my business, I see many companies offering really good rates for the first year, but they more than make up for it on the first renewal. I'm pleased to state the my premium DECREASED by nearly $70.00 with the first renewal. Secondly, I recently met a deer with the front end of my beloved BMW. Heck of a mess. My body shop and I were pretty sure they'd write it off as a total. BUT, they did not! In fact, everything went down very smoothly and quickly. The accident was reported on a Thursday morning. The following Monday, I received the check, in the full amount of the repair estimate (less deductible). There was no need for a local adjuster. My body shop was completely impressed with their claims service and the speed with which they performed. The United Home adjuster I spoke with in their home office noted that our policy did not provide for coverage for a rental car while mine was in the shop. He told me that they have something to offer to help take the bite out of the situation. He offered to pay $30.00/day toward a rental car while mine was in the shop. The rates they have in place with the rental company resulted in just over $6.00/day to rent a decent auto while mine was being fixed. He said it is something they do for those who don't have coverage to pay for a rental. WHAT A DEAL! 'Can't say enough good things to express the incredible service we've received.
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2
October 30, 2019

mulundannume

Poorest customer service I have ever seen

United Home Insurance Company has the worst customer service I have ever seen. They do not care whether they lose a customer or not, you either stay with them or leave. Their premiums are reasonable but you pay back in by receiving the poorest customer service.
4
March 25, 2019

Wda1213

Great price

Great price. We've had them for years. Never had an accident so never needed to use them. Our price has remained the same for years.
1
January 15, 2019

Eyra

Worse customer service and companu

Worse customer service. My adjustor [REDACTED NAME AND PHONE NUMBER] never returned my calls. Documents were submitted and received on December 11th, 2018 and as of today, January 11th 2019 nobody has reviewed them or even look at them.
3
May 24, 2018

pg12

good

its good bit expensive customer care is not good need to work on that, good policies and fast output
5
January 22, 2018

ddwayne

Great Insurance

Had some hail damage on my car and called in and had someone to come look at it within a day or two. Very easy to use when its needed.
3
March 13, 2017

Clearsurance-user

United Insurance

Premiums have always stayed the same. Customer service is mediocre and I'm not completely comfortable with the coverage.
4
November 3, 2016

Clearsurance-user

Good insurance

The monthly payment for liability is next to nothing.
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