Simplified Issue Whole Life InsuranceConsumer Brochure

Life Insurance Made Simple

www.unitedhomelife.com(800) 428-3001

*Availabilityof,andbenefitspayableunder,theinsuranceproductsdescribedaresubjecttostateavailability,statevariations,restrictionsandeligibilityrequirements.Ifthereareanydiscrepanciesbetweentheproductdescriptionandtheissuedinsurancepolicy,theissuedpolicyshalltakeprecedence.

1 Oralfluids/HIVtestingcollectedbyaparamedrequiredforWIapplicants.Policyforms:200-376,200-466(UHL);18-376,18-466(UFFL).

Simplified Products – Simple SolutionsWhenitcomestobuyinglifeinsurance,itshouldn’tbecomplicated.Youwanttoprovideforyourlovedones,toensuretheyhavethefundstocoverexpenses–likefuneralcosts,outstandingmedicalbills,themortgage–evenacollegeeducationforachild.

AtUnitedHomeLife/UnitedFarmFamilyLife,wespecializeinsimplifiedissuelifeinsurance–it’sallwedo.Wemakeitassimpleaspossibleforyoutopurchasevaluablewholelifeinsurancecoveragewithouthavingtogothroughmedicalexamsorprovidebodilyfluids1forlabtests,evenifyou’vebeenturneddownbefore.Completeashortapplicationwithyes/nohealthquestions,andparticipateinabriefpersonalhistoryinterviewbyphone.That’sit.

Simplified Issue Whole Life PortfolioEachofourfoursimplifiedissuewholelifeproducts*isdesignedtocoverarangeofindividualsbasedonage, tobaccousage,andhealth,andhavethesefeatures:• Noroutinemedicalexams,bloodwork1,orphysician’sstatements.• Shortapplicationwithyes/nohealthquestionstohelpusdetermineeligibility.• Asimplephoneinterviewwithanexperiencedunderwriter.• Guaranteeddeathbenefitsandcashvalues.• Affordablepremiumsthatneverincrease.• Coveragethatcannotbecancelledsolongaspremiumsarepaidontime.• Ridersandbenefitsthatcanhelpcustomizeproductstomeetyourspecificneeds.*

Simplified UnderwritingSimplifiedissueproductsmeansimplifiedunderwriting.It’saseasyasapersonalhistoryinterview(PHI).APHIisashorttelephoneinterviewthathelpsusdetermineiftheproductyou’veappliedforistherightfit,anditspeedsuptheunderwritingprocess.You’llspeakwithanexperiencedunderwriterwhowillasksomehealthquestionsandwillverifyinformationprovidedontheapplication.ThePHItypicallytakesabout15minutes.Justrelaxandbeforthcominginyourresponses.

Oncewereceiveyourapplication,we’llstarttheapprovalprocess.We’llworkcloselywithyouragenttoensureyourcoverageisissuedasquicklyaspossible.Youragentisatrustedresource-ifyouhaveanyquestionsaboutyourapplication,theproductorthecoverageappliedfor,besuretoletyouragentknow.

*Availabilityof,andbenefitspayableunder,theinsuranceproductsdescribedaresubjecttostateavailability,statevariations,restrictionsandeligibilityrequirements. Ifthereareanydiscrepanciesbetweentheproductdescriptionandtheissuedinsurancepolicy,theissuedpolicyshalltakeprecedence..

2 Exclusionsapply.Seepolicyfordetails.3 MinimumfaceamountforEIWLno-costriders:$10,000.4 MinimumProviderfaceamountforCommonCarrierAccidentalDeathBenefitRider,Life-ThreateningCancerAcceleratedBenefitRider, andCharitableGiftDonation:$25,000.

5 Availableforissueages0-17.Policyforms:200-376,200-466(UHL);18-376,18-466(UFFL).Riderforms:200-575,200-576,200-537,200-356,AD-66,200-538,200-539,200-327,WPD-66(UHL);18-575,18-576,18-537,18-356,18-119,18-538,18-539,18-327,18-070(UFFL).

The Products*

Express Issue Whole Life (EIWL)isgraded-benefitwholelifeinsurance.Duringthefirsttwopolicyyears,thebenefitfordeathbynaturalcausesisarefundofallpremiumspaidtodateplusinterest.Beginningdayoneofpolicyyearthree,thefullbenefitispayabletoyourbeneficiary.Fordeathduetoaccidentalcauses2duringthefirsttwopolicyyears,thefulldeathbenefitwillbepaidtoyourbeneficiary.

EIWLalsohasseveralno-costridersdesignedtoprovideadditionalvalue-addedprotectionwithnoadditionalpremiumrequired3:IdentityTheftWaiverofPremiumRider,HospitalStayWaiverofPremiumRider,andCommonCarrierAccidentalDeathBenefitRider.

Express Issue Premier and Express Issue Deluxeareimmediatedeathbenefitwholelifeinsuranceproductsthatalsoofferoptionalridersandbenefitstotailortheproducttoyourparticularneeds:ChildRiderandAccidentalDeathBenefitRider.Inaddition,eachproductincludesano-costTerminalIllnessAcceleratedBenefitRider.

Providerisanimmediatedeathbenefitwholelifeinsuranceproductofferingprotectionateverystageofyourlife,whetheryou’renewlymarried,buildingafamily,oranactivesenior.It’salsoagreatstarterpolicyforyourchildrenorgrandchildren.Discountedpremiumratesareavailabletothosewhoqualify.No-costridersandbenefits4onProviderinclude:CommonCarrierAccidentalDeathBenefitRider,GuaranteedInsurabilityBenefitRider5,Life-ThreateningCancerAcceleratedBenefitRider,CharitableGiftDonation,andTerminalIllnessAcceleratedBenefitRider.TotalandPermanentDisabilityBenefit (WaiverofPremium)andChildRiderareoptionalridersavailabletoyou.

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The Companies Behind Your Protection

UnitedHomeLifeInsuranceCompanyanditsparentcompany,UnitedFarmFamilyLifeInsuranceCompany,arefamily-orientedcompaniesfoundedin1948and1937,respectively,withaphilosophyofprovidingquality,personalservicetoourpolicyholdersandagents.We’reheretoserveyou.

Ourprimaryfocusisprovidingaffordable,flexiblelifeinsurancesolutionsforourpolicyholders.Ourultimatepledgeistomeetourfinancialobligationstoourpolicyholders.

A.M.Best,aleadingindependentanalystoftheinsuranceindustrysince1899,hasassignedafinancialstrengthratingofA-(Excellent)toUnitedHomeLifeandafinancialstrengthratingofA(Excellent)toUnitedFarmFamilyLife.Thesearethefourthandthirdhighestratings,respectively,of16ratings.

United Home Life/United Farm Family Life Insurance Companies225SouthEastStreetIndianapolis,IN46202Phone (800) 428-3001

www.unitedhomelife.com