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January 1, 2010

January 1, 2010. Feel the Excitement!. 2010. New and Unique Term Products New Agent Friendly Underwriting Process ROP IS ALIVE AND WELL AT UHL!. PLUS. Innovating  Revolutionizing  Exhilarating. 2010. CRAZY. Other Companies Are De-emphasizing Term We Are Going Term !.

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January 1, 2010

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  1. January 1, 2010 Feel the Excitement!

  2. 2010 New and Unique Term Products New Agent Friendly Underwriting Process ROP IS ALIVE AND WELL AT UHL! PLUS InnovatingRevolutionizingExhilarating

  3. 2010 CRAZY Other Companies Are De-emphasizing Term We Are Going Term !

  4. New and Unique Products • 10 Year Term - Graded (up to table 16) • 20 Year Term (up to table 8) • Term to Age 65 with & without ROP (up to table 4)

  5. Graded Benefit Term 10 Yes, a Graded Term Product! The lowest possible premium for your clients with significant impairments!! Unique in the industry! Standard issue through table 16 10-year level term; renewable for 10 extra years as ART Free Benefits: Identity Theft, Extended Hospital Stay, Common Carrier Accidental Death

  6. Express Issue Term Deluxe 20 Insulin Dependent? Can’t Afford Whole Life? We’ve got a solution for you! Unique in the industry! Standard issue through table 8 (not table 4 or 6 like our competitors) Immediate full death benefit 20-year level term

  7. Express Issue Term 65 ENTIRE Level Premium for your working career! Unique in the industry! Term coverage to age 65 with level premiums All premiums are guaranteed to age 65 Standard issue through table 4 Free child rider (for face amounts $100,000 and above)

  8. Premier 65 Did we mention, we have an ROP version too! Coverage all the way to age 65 and you still get all of your money back!* Paid-up insurance available at age 65 * Based on annual premiums

  9. Agent Friendly Underwriting Process We’re Turning it UP! Know Before You Go “KBYG” Now on Term! Yes/No Application Now On Term!

  10. ROP Minimal increases to our ROP rates so we can keep going strong!! Actuarial Guideline 45 isn’t keeping us down!

  11. UFFL in Illinois BOOMING! Business is • UFFL is rated A (Excellent) by A.M. Best and has over $200 million of capital and surplus to back its commitments UHL sales are up 40% in 2009, so we are expanding UFFL into Illinois AZ 5/1/2009, OH 6/1/2009, IL 1/2010 Coming soon CA!

  12. 2010 Feel the Excitement! New and Unique Term Products New Agent Friendly Underwriting Process Get Ready, our NEW Incentive Trip will be Announced Soon!!!!

  13. United Home LifeUnited Farm Family Life Your New Leader in the Simplified Issue Term Marketplace!!

  14. Retirement Announcement It is bitter-sweet that we share with you the announcement of Gerry Danielson’s retirement effective January 1, 2010.

  15. Questions? Links: Announcement Flyer Product Reference Guide Term Application

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