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United Heritage Life
About the Company
United Heritage Life was founded in 1934 as Grange Mutual Life Company. In 1991, they changed their name to United Heritage Mutual Life Insurance Company. They currently offer individual life insurance products (permanent, universal, term, funeral pre-planning, final expenses), fixed annuities, and group insurance.
United Heritage Life is licensed in Washington, Oregon, California, Hawaii, Alaska, Idaho, Nevada, Montana, Wyoming, Utah, Arizona, Colorado, New Mexico, North Dakota, South Dakota, Nebraska, Kansas, Oklahoma, Texas, Minnesota, Iowa, Missouri, Arkansas, Louisiana, Wisconsin, Michigan, Illinois, Indiana, Ohio, Kentucky, and Tennessee. They are currently working to expand their licensure.
Term Life Products
United Heritage Life offers the following term life insurance products:
Legacy
- This policy comes in periods of 10, 15, and 20 years. The products are named Legacy 10, Legacy 15, and Legacy 20, respectively.
- The premiums are guaranteed level for 5, 7, and 10 years, respectively.
- Issue ages are as follows: 18-70 for Legacy 10, 18-65 for Legacy 15, and 18-60 for Legacy 20.
- The minimum face amount for each policy is $100,000.
- Premiums are collected on a semi-annual, annual, quarterly, or monthly basis.
TUL20
- This product is a combination of a term and universal life product.
- This product has a 20 year term.
- Coverage is guaranteed to stay in force for twenty years (in most states).
- This policy offers the following riders: Accidental Death Benefit, Other Insureds (spouse/children), Waiver of Deductions, Level Term Rider, Decreasing Term Rider, and Accelerated Benefit Rider.
- This is a versatile product that allows you to change the face amount, premiums, or terms at any point during the policy.
United Heritage Financial Ratings
A.M. Best: A- (Excellent)
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