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!
» Read More
» Contact Us
» Find an Agent

A Universal Life policy is the most flexible of all available forms of life insurance today. The owner of a Universal Life policy is permitted (within limits), to adjust the face amount of the policy, the premium amounts and length of premium payment as desired to meet an individual's situation. Universal Life products are sometimes referred to as "interest sensitive" because values are related to credit interest rates.

Premium payments are accounted for in an accumulation account from which costs to maintain the policy are deducted and interest earnings are credited. This accumulation account is available to the owner during their lifetime as a living benefit.

The Benefits of Universal Life

• A flexible death benefit
• Income tax free death proceeds
• Interest-sensitive cash value
• Flexible premium
• Ability to customize the plan to fit the need of the policyholder

Marquee
Marquee is a universal life policy that is affordable to provide you with the necessary permanent life insurance coverage that you need.

» Read More
» Find an Agent

Term insurance provides temporary protection for a specified period of time. United Heritage Life has several high-quality term products that can provide your clients with the most coverage for their dollar.

Legacy Value Level Term
Initial guaranteed premium period, re-entry provisions, and convertibility.
» Read More
» Contact Us
» Find an Agent

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)

» Read More
» Contact Us
» Find an Agent

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

» Read More
» Contact Us
» Find an Agent

United Heritage Life has a very competitive line of fixed annuity products.
Guaranteed current first year interest rate up to 5.25%*

* Interest Rate last updated on 03/01/2010.
* First year interest rate subject to change after 03/31/2010.
* 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.
» Read More
» Contact Us
» Find an Agent

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.
» Read More
» Contact Us
» Find an Agent

Eagle 3 Annuity
Eagle 3 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 3 Annuity is $3,000.
» Read More
» Contact Us
» Find an Agent

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.
» Read More
» Contact Us
» Find an Agent

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.
» Read More
» Contact Us
» Find an Agent

United Heritage offers several high-quality Group products which enables us to design a plan to meet your clients needs. These products are approved for sale in Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, Pennsylvania, Utah, Washington, and Wyoming:

Group Insurance Package
• Group Term
• Short Term Disability
• Long Term Disability

» Read More
» Contact Us
» Find an Agent