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The Benefits of Permanent Life


  • A guaranteed death benefit
  • Income tax free death proceeds
  • Guaranteed cash value
  • Ability to customize the plan to fit the need of the policyholder


The Uses of Permanent Life



  • Traditional Insurance Protection:
    Financial security for your loved ones in the event of an untimely death.
  • Mortgage Protection:
    Customizable with riders to meet the different needs of mortgage protection.
  • Education Funding:
    Coverage for the education needs of a loved one in the event of a premature death.
  • Charitable Giving:
    Proceeds can be used to make a donation to your favorite charity.
  • Business Buy/Sell Agreement:
    Protect your business assets by using whole life to fund a buy/sell agreement in the event of death.
  • Pension Maximization:
    Allows your client to retire and select the "single life" pension options. Upon the death of the pensioner, the surviving spouse utilizes the life insurance proceeds to provide retirement income.


Pro Plus
Added flexibility to meet your client's needs today and in the future!
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The United Heritage Pre-need Funeral Planning policies are designed for the funding of per-arranged funerals. Our policies have an increasing death benefit; therefore, when using a United Heritage "Preneed" funeral funding policies you are assured there will be enough funds to pay for your funeral in the future; regardless of how much funeral prices increase when you purchase a guaranteed funeral. All United Heritage Preneed policies may be Medicaid exempt, when you are faced with applying for medical assistance. Your preneed policy or the value of that policy cannot be taken away.


"E" Series Plan
• Single Premium
• Full Benefit (3-Pay, 5-Pay and 10-Pay)
• Graded Benefit (3-Pay 5-Pay and 10-Pay)

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Final Expense - our Final Expense plans are designed to pay for burial and any other final expenses upon death. Our plans are simplified issue which means that there are no medical exams necessary to qualify. We have three final expense plans offered based on your health condition.


Protector Series
• Whole Life
• Graded Benefit
• Modified Benefit

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United Heritage Life has a very competitive line of fixed annuity products.
Guaranteed current first year interest rate up to 4.60%*


* Interest Rate last updated on 05/01/2017.
* First year interest rate subject to change after 06/01/2017.
* Applies to Eagle 8 Annuity only.

Click here to learn more about Tax Deferred Annuities

Secure Value 5
Accumulate funds for retirement and enjoy the benefits of tax deferral with a 5-year interest rate guarantee. You'll rest comfortably knowing that your assets are growing safely at a competitive rate.
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Single Premium Immediate Annuity
A Single Premium Immediate Annuity is a contract between you and the insurance company. By paying a single sum of money to the insurance company, you are guaranteed to receive a series of payments over a specified period of time, or for the rest of your life.
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Eagle 8 Annuity
Eagle 8 Annuity is ideal for a rollover of qualified plans such as individual retirement accounts (IRA's), and for non-qualified plans. The minimum premium for an Eagle 8 Annuity is $8,000.
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Heritage Annuity
A flexible premium deferred annuity contract that is designed to allow your assets to grow safely at a competitive rate. You can make payments of as little as $100 whenever you like.
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United Heritage offers several high-quality Group products which enables us to design a plan to meet your clients needs.