United
Heritage Life Insurance Company Products
We know you have a lot of choices when it comes to investing in your future.
Whether you're trying to create or preserve your wealth, protecting your assets and your standard of living, or making your final arrangements, we can help.
We work hard to provide a selection of smart, affordable options to help you and your family meet your financial needs and goals.
Our products include whole life, universal life and fixed annuities.
To safeguard your lifestyle and assets, consider whole life, term life and universal life as well as homeowner's insurance and home and family property coverages.
To learn more about our products, please visit the links below.
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Permanent
Life - This is guaranteed, lifetime, permanent insurance
protection.
Universal
Life - Interest-sensitive insurance coverage with
flexible premiums** and death benefits.
Term
Life - Term insurance provides temporary protection
for a specified period of time.
Funeral
Pre-Planning - Funeral Pre-Planning policies are
used for funding pre-arranged funerals.
Final
Expense - Low face amount insurance typically used
for expenses at time of death.
Fixed
Annuities - Annuities provide competitive interest
rates and tax-deferred interest accumulation.
Group
Insurance - Large and small employer group life
and disability income insurance.
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If you would like information about any
of the many products United Heritage has to offer, Contact
Us or Locate
an Agent/Representative 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.
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