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 Cheapest Life Insurance USA

United Heritage - Life Insurance

United Heritage's Mission

United Heritage specializes in the sale and service of quality life insurance, annuity, and financial products. United Heritage strive to maintain a strong financial position for the protection, security, and benefit of their policyholders and clients.

Having provided coverage to policyowners in Idaho, Oregon, and Washington since 1934, and now serving the 22 states west of the Mississippi, United Heritage Mutual Life continues to provide a comprehensive portfolio of products, including individual life insurance and fixed annuities. Variable universal life and annuity products, mutual funds and general securities are offered through United Heritage Financial Services in 19 western states, and property & casualty coverage is offered to clients who live in the state of Idaho through United Heritage Property & Casualty Company. .

The following companies make up the United Heritage family:

  • United Heritage Mutual Life Insurance Company
  • United Heritage Financial Services
  • United Heritage Property & Casualty Company

United Heritage Permanent Life Insurance

Historically, people have purchased Permanent Life Insurance for the guarantees that it has provided. In addition to the lifetime insurance coverage that Permanent Life provides, it also contains a savings element that is known to be the policy's cash value. With its cash value clients can access those funds for future needs. Permanent Life provides benefits that will accommodate the unique needs that you may have.

The Benefits of Permanent Life

  • A guaranteed death benefit
  • Income tax free death proceeds
  • Guaranteed cash value
  • Level premium
  • Participate in the Company's profit in the form of a dividend
  • 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 untimely event of 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.

United Heritage's Permanent Life portfolio of products include:

  • Select Whole Life 5 A traditional permanent life plan--with added flexibility to meet
    your client's needs today and in the future!
  • Concept 3/Concept 2 Two Universal Life products that provide for a flexible death benefit
    and flexible premium payments.

Term Life Insurance

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

  • Legacy A trio of level term products with an initial guaranteed premium period, re-entry provisions, and convertibility.
  • Mortgage Four different plans. All competitive, affordable, sellable...and providing your clients with peace of mind!
  • TUL20 An affordable universal life insurance plan designed to provide your client with permanent insurance protection plus the additional flexibility of flexible premium payments and an adjustable death benefit.



United Heritagem,
707 E. United Heritage Court,
ID 83642

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