The United Heritage Funeral Pre-Planning products are designed for the funding of pre-arranged funerals. Many of our funeral pre-planning agents are Funeral Directors, Preneed Specialists or Preneed Counselors, or employees of funeral homes. When planning your funeral, ask about funding your pre-arranged funeral with a United Heritage Preneed Policy. These policies have an increasing death benefit. Therefore, by using a United Heritage "Preneed" funeral funding product you assure there will be enough funds to pay for your funeral in the future; regardless how much funeral prices increase, when you purchase a guaranteed funeral. All United Heritage Preneed policies can be Medicaid exempt, when you are faced with applying for medical assistance. Your preneed policy cannot be taken away. Plans are available to be paid in full or paid over 3, 5, or 10 years. There are only a few simple health questions to qualify for a full benefit (first day full coverage) and graded benefit plans are available in most states when you are recovering from recent health issues. Pay plans are available in most states to age 90 and single premium plans are available to age 99. There are no health questions when you are applying for a single premium policy to pay your funeral in full. Unlike funeral trusts, there is no need to report the growth of your United Heritage preneed policy on your income tax return. There is a Death Away from Home Rider and in most states, a Pay-Up Option on pay plans that may be utilized in the first 24 months. For confidence and piece of mind, talk to your funeral director or Pre-need Specialist about United Heritage and a funeral plan designed to pre-plan and pre-fund your funeral the way YOU want!

APR Calculator

The Advantage Plan e Series

Single Premium
Designed for the person who wishes to pre-pay their funeral in full. This is a guaranteed issued product. There are NO health questions to be answered. This product is used extensively for "spend-down" situations when applying for Medicaid. The minimum available is $500 and the maximum is $25,000. This product is available for anyone ages 0-99.

The Full Benefit 3-Pay, 5-Pay and 10-Pay
Only a few simple health questions need to be correctly answered to qualify for our simplified issued, full benefit payment plans. You may select the plan that best fits your budget. Regardless of which plan you select, from your first payment the balance of your plan will be paid in the event of your death. These plans may be paid** annually, semi-annually or monthly (through electronic payments). Should you wish to "Pay-Up" your plan, a dollar for dollar credit for all premiums** paid will be applied and there is no conversion charge during the first 24 months of the life of your plan. After that time you may pay-up your plan, however, there will be a conversion charge. The 3-Pay is available from ages 0-90, the 5-Pay from 0-85, and 10-Pay from ages 0-80. The minimum coverage is $1000 and the maximum is $25,000. All plans are subject to a two-year contestability period.

The Graded Benefit 3-Pay, 5-Pay and 10-Pay
There are no health questions to apply for our Advantage Plan e Series Graded Benefit Plans. These plans are designed for people who cannot qualify for our full benefit plans because of recent health issues and are returning to good health. This plan is NOT for imminent death situations. The premiums** are the same as our full benefit plans, however, only a percentage of the death benefit is paid out until the grading period is fulfilled. The grading period is 50% for year 1 and 100% year 2 and forward on the 3-Pay and 30% for year 1, 70% for year 2 and 100% for year 3 and forward on the 5-Pay and 10-Pay. These plans also have our 24 month "free pay-up" option. The 3-Pay is available from ages 0-90, the 5-Pay from ages 0-85, and 10-Pay from ages 0-80. The minimum coverage is $1000 and the maximum is $15,000. All Graded Benefit Plans will be paid 100% in the event of accidental death.

The Oregon and Washington Advantage Plan e Series

Single Premium
Designed for the person who wishes to pre-pay their funeral in full. This is a guaranteed issued product. There are NO health questions to be answered. This product is used extensively for "spend-down" situations when applying for Medicaid. The minimum available is $500 and the maximum is $15,000. This product is available for anyone ages 0-95.

The Full Benefit 3-Pay, 5-Pay and 10-Pay
Only a few simple health questions need to be correctly answered to qualify for our simplified issued, full benefit payment plans. You may select the plan that best fits your budget. Regardless of which plan you select, from your first payment the balance of your plan will be paid in the event of your death. These plans may be paid annually, semi-annually or monthly (through electronic payments). Should you wish to "Pay-Up" your plan, you will be given dollar for dollar credit for all premiums paid and there is no conversion charge during the first 24 months of the life of your plan. After that time you may pay-up your plan, however, there will be conversion charges. The 3-Pay is available from ages 0-85 and the 5-Pay and 10-Pay from ages 0-80. The minimum coverage is $1000 and the maximum is $15,000. All plans are subject to a two-year contestability period.

The Graded Benefit 3-Pay, 5-Pay and 10-Pay
There are no health questions to apply for our Advantage Plan e Series Graded Benefit Plans. These plans are designed for people who cannot qualify for our full benefit plans because of recent health issues and are returning to good health. This plan is NOT for imminent death situations. The premiums** are the same as our full benefit plans, however, only a percentage of the death benefit is paid out until the grading period is fulfilled. The grading period is 50% for year 1 and 100% year 2 and forward on the 3-Pay and 30% for year 1, 70% for year 2 and 100% for year 3 and forward on the 5-Pay and 10-Pay. These plans also have our 24 month "free pay-up" option. The 3-Pay is available from ages 0-85 and the 5-Pay and 10-Pay from ages 0-80. The minimum coverage is $1000 and the maximum is $15,000. All Graded Benefit Plans will be paid 100% in the event of accidental death.

If you would like information about any of the products United Heritage has to offer Contact Us or Locate an Agent in your area.

**Premiums ordinarily may be paid annually or on a "modal" basis; semi-annually, quarterly or monthly.* The amount of a modal premium is greater than a simple fraction of the annual premium-for example, a quarterly premium is greater than 1/4 of an annual premium. This is because a modal premium includes adjustments for such factors as additional collection costs and the fact that the Company does not receive, and have the use of, the entire premium at the beginning of the policy year.

The difference between the total modal premiums for the year and the annual premium can be expressed in the form of an Annual Percentage Rate (APR). The modal premium APR equates the additional charges for a modal payment to the interest rate on an installment loan.** For example, at the beginning of the policy year, the amount of the "loan" would be the annual premium less the first modal premium.