"E" Series Plans

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Single Premium Details

Designed for persons who wish 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 primarily for "spend-down" situations when applying for Medicaid. The minimum amount available is $500 and the maximum amount is $25,000. This product is available for anyone ages 0-99.

If you would like information about our Plans, or any of the products that United Heritage has available, contact us .

Pay Plans

3-Pay, 5-Pay, and 10-Pay
Full Benefit or Graded Benefit

Full Benefit

Our multi-year Pay Plans may be selected for 3, 5, or 10 years. Only a few simple health questions need to be answered to qualify for our simplified issue, Full Benefit Payment Plans. You may select the Plan that best fits your budget. Regardless of which Plan you select, after your first payment the full benefit will be paid in the event of your death. Pay Plan premiums may be paid monthly (through electronic payments), semi-annually or annually. During the first 24 months of the policy, you may exercise a “Pay-Up” option. After 24 months you may “Pay-Up” your Plan, however, there will be a minimal conversion charge. All plans are subject to a two-year contestability period.

Graded Benefit (Not Available in All States)

When applying for our Graded Benefit Plans there are no health questions. 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 percentage of the death benefit is paid out until the grading period is completed.

The percentages are:

3-Pay
50% during year one
100% year two and beyond

5-Pay & 10-Pay
30% during year one
70% during year two
100% year three and beyond

Issue Ages by Plan

Single Premium Guarantee issue .................. 0 - 99
3-Pay Plan (Full Benefit and Graded) ............ 0 - 90
5-Pay Plan (Full Benefit and Graded) ............ 0 - 85
10-Pay Plan (Full Benefit and Graded) .......... 0 - 80

Minimums and Maximums

Single Premium.............................................. $500 - $25,000
All Premium Pay Plans.................................... $1,000 - $25,000
Maximum on any combination of Policies....... $25,000

Options and Riders

Two year early “Pay-Up” option on all Premium Pay Plans
Death Away From Home Rider is available (in most states) and will automatically add $750 to the death benefit
A $500 minimum down payment is available on all Premium Pay Plans.

Link to Questions & Answers (brochure 20-2726)

If you would like information about our Plans, or any of the products that United Heritage has available, contact us.