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Simple! Fast! Easy!

Simple! Fast! Easy!. Life Insurance Products Without All The Hassles!. We are CONNECTED!. United Home Life. United Home Life Founded in 1948, member of United Farm Family Insurance Companies since 1997. United Farm Family Life (IN) is the parent company.

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Simple! Fast! Easy!

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  1. Simple! Fast! Easy! Life Insurance Products Without All The Hassles!

  2. We are CONNECTED!

  3. United Home Life • United Home Life • Founded in 1948, member of United Farm Family Insurance Companies since 1997. • United Farm Family Life (IN) is the parent company. • Rated A (Excellent) by A.M. Best • UHL is Rated A- (Excellent) by A.M. Best • Upgraded June 2008 • 3 upgrades in past 10 years • Demonstrates sound financial condition for UHL

  4. United Home Life • Strong presence in simplified issue market. • 18 straight years! = stability • Here yesterday, here today, here tomorrow.

  5. Where We Do Business • 43 states and D.C. • States Excluded • Alaska • Massachusetts • New Hampshire • New York • North Carolina • South Dakota • Wyoming

  6. UNITED HOME LIFE Top 5 Reasons to “KNOW & SELL” UHL Products

  7. #5: Stable Presence – 18 yr in Simplified Issue Market! #4: We Pay Commissions Daily! #3: The Simplest applications you’ll ever see!

  8. #2: The Most UniqueAccidental Death Policy in the Industry #1: The BestFinal Expense Product Portfolio on the Market

  9. Total Protection Series III Final Expense Whole Life Portfolio

  10. Total Protection Series III • Features 3 whole life policies on a single, short-form, 3 in 1 application. • Express Issue Whole Life (Graded/Modified Benefit) • Express Issue Deluxe • Express Issue Premier • Non-Medical, Simplified Issue • Application covers wide-range of underwriting from Graded Benefit toalmost Standard. • Application is a “stack” application. The more questions answered “no” the better the policy and rate.

  11. Total Protection Series IIIExpress Issue Whole Life • Graded Death Benefit Policy • Perfect for clients in poor health – Up to Table 16 issued Standard • Graded death benefit during first 2 years - full death benefit in year 3 • Immediate DB yrs 1 & 2 if death by accident • 4 Riders included free of charge if face amount at least $10,000. • Inflation Guard Benefit • Identity Theft Benefit • Extended Hospital Stay Benefit • Common Carrier Accidental Death Benefit • PHI (Recommend agent complete at point of sale)

  12. Total Protection Series IIIGraded Benefit Free Riders • Inflation Guard Benefit • Face amount increases 5% every five years for the first 20 years of policy (simple interest). • Identity Theft Benefit • Identity stolen, company will waive 3 months of premium • Extended Hospital Stay Benefit • Waive 3 months premium if client is hospitalized 20 consecutive days or more. • Common Carrier Accidental Death Benefit • Death Benefit doubles if client dies in public transportation (i.e. Bus, Plane, Train, Taxi).

  13. Total Protection Series IIIExpress Issue Whole Life Graded Benefit Specs • Ages 25 to 80 (45 to 80 in CA) • Face Amounts range from $2,000 to $50,000

  14. Total Protection Series IIIExpress Issue Deluxe • Immediate death benefit • Up to 8 Tables considered standard • Good for clients who have some health issues (including insulin-dependent diabetes) • Accidental Death and Child Riders available. • PHI required (Recommend agent complete at point of sale)

  15. Total Protection Series 3Express Issue Deluxe Express Issue Deluxe Specs • Ages 20 to 80 • Face Amounts Range from $5,000 to $50,000

  16. Total Protection Series IIIExpress Issue Premier • Immediate death benefit • Up to 4 Tables issued standard • Good for clients in better health but don’t want to go through full underwriting • Accidental Death and Child Riders available • PHI Required (Recommend agent complete at point of sale)

  17. Total Protection Series IIIExpress Issue Premier • Express Issue Premier Specs • Ages 20 to 80 • Face amounts up to $100,000 ($50,000 61-80)

  18. Total Protection Series III“Sweet” Spots • TWO year Graded Benefit • Minimum issue age is age 25(20 for Deluxe/Premier) • Issue up to $50,000, even on the graded benefit policy & even for issue age 80! • Commissions SAME for all 3 products! • Simple 3-in-1“Stack” Application! • No Product Mix Requirement! • FREE EXTRA BENEFITS on Graded Benefit – UNIQUE to UHL ONLY: Inflation…Identity Theft…Ext Hospital Stay….Common Carrier AD

  19. BIG NEWS! 20% rate reduction for the Express Issue Premier – table 4 12% rate reduction for the Express Issue Deluxe – table 8 What Have We Done For You Lately?

  20. Monthly Premiums for $15,000 death benefitFemale, NT, Age 65:

  21. Commission Enhancements! • 1st year commission will be increased for the Premier – and, will now match the EIWL Graded Plan. • 2nd year renewal commission will be significantly increased for all 3 final expense products.

  22. Easier to read; easier to navigate Will provide better assurance your client will qualify Still one of the easiest apps you’ll ever see! New YES/NO Application!

  23. Agent calls the Interviewer while at the client’s home; During the 10-15 minute interview, MIB and Rx Databases are queried; At end of call, agent will know whether to send in the app! Point-of-Sale PHI New Know Before You Go Underwriting Process

  24. New states that approved our Express Issue Whole Life plan! Enhanced Death Benefit in first 2 years: 1st Yr = 30% 2nd yr = 60% New Modified Benefit Whole Life Plan

  25. Contest Period: 3/1/09 – 2/28/10 Qualify by earning $40k in commission All-inclusive 5-day, 4-night excursion Trip scheduled for April 10-14, 2010 Sandals Dunn’s River Resort - Jamaica UHL’s First-ever Incentive Trip!

  26. 2009 – A Year To Remember! • Significant Rate Reductions! • Significant Commission Enhancements! • New YES/NO Application! • New KNOW BEFORE YOU GO Process! • New Modified Benefit Plan in AR,KS,NV,PA • First-ever Incentive Trip to Jamaica!

  27. Term Portfolio 2/27/2009 28

  28. SIMPLIFIED ISSUE TERM FEATURES 2/27/2009 29

  29. Simplified Issue Term(continued) Single application for all term plans RETURN OF PREMIUM BENEFIT! Only 4 health/lifestyle questions No Exam, No Blood, No HOS Rates fully guaranteed Underwriting: up to 4 tables issued standard 2/27/2009 30

  30. Simplified Issue Term(continued) Single application for all term plans Competitively Priced Premiums Only 4 health/lifestyle questions No Exam, No Blood, No HOS Rates fully guaranteed Underwriting: up to 4 tables standard Free $5,000 Child Rider if base face amount is $100,000 - covers all children, even those yet to be born 2/27/2009 31

  31. Accidental Death Coverage Accidental Death – Whole Life Protector

  32. Accidental Death Coverage • Non-Medical • Virtually Guaranteed Issue with good driving record and no participation in hazardous avocations. • One rate regardless of age, gender, or tobacco use. • Level Premium for 20 Years • Return of Premium in Year 20 • Accidental Death Benefit doubles over 20 year period.

  33. Accidental Death Coverage • One Underwriting Question “In the past 3 years, have you had any participation in, or contemplate any future participation in any hazardous sport or aviation, or had your driver’s license suspended or revoked, or in the past 5 years have you been convicted of operating a vehicle while intoxicated?”

  34. Accidental Death Coverage

  35. $125 or $188 or $250 $50,000 or $75,000 or $100,000

  36. AD OCCUPATIONS Acceptable Construction Law Enforcement Domestic fire-fighters Long-haul truckers Coal miners (surface and no explosives) Postal workers Not Acceptable Aviation Chemical/biological weaponry industry Explosives handler Oil/gas offshore Professional rock Stars Pro-athletes Overseas security officers Rodeo Pros 2/27/2009 37

  37. The UHL Advantages… • Innovative, Competitive Products! • 18 Years experience in Simplified Issue Marketplace! • Simple applications! • Quick Underwriting, Point-of-Sale PHI’s – “Know Before You Go” Process! • Applications can be taken over-the-phone! • Commissions paid daily! • Annualization available to writing agent and MGA! • Numerous Marketing Materials: Sales brochures, Letter templates, Advertising Templates, On-line Support, Webinars, Email Blasts, etc… • Incentive Trip! • Deal direct with the Home Office!

  38. AND ALWAYS… SIMPLE….FAST…..EASY! LET US EARN YOUR BUSINESS!

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