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 Cheapest Life Insurance USA

Unity - Life Insurance

A History of Unity

1903: Unity founded in Syracuse, New York and organized as a fraternal benefit society named "Imperial Order Tycoons."

1908: Imperial Order Tycoons changes its name to the Unity Insurance Society. Assets are $2,168; insurance in force is $154,682.

1918: Unity Insurance Society changes its name to the Unity Protective Insurance Association.

1928: The Unity Protective Insurance Association becomes the Unity Life and Accident Association. The Company celebrates its 25th Anniversary.

1933: Unity's first merger, with the Bavarian National Association, increases the Company's territory from one to seven states and brings assets to $750,000.

1939-1940: Unity's second and third mergers, with Fireside Mutual Aid Association, New Jersey, and the Order of German Americans, New York City, result in assets topping the $1 million mark.

1957: The Company changes its plan of operation from an association to that of a mutual life insurance company. A new charter is issued to the Unity Mutual Life Insurance Company of New York.

1983: Unity merges with Guarantee Mutual Life Insurance Company, Pleasantville, New Jersey.

1984: Unity forms a wholly-owned subsidiary, Univest Clinton, to become a partner in Congress Asset Management Company, a Boston-based asset management firm.

1985: Unity merges with Empire State Mutual Life Insurance Company, Jamestown, New York.

1987: Unity acquires controlling interest in Windsor Life Insurance Company of America, New York City. Unity merges with Volunteer Firemen's Mutual Life Insurance Company, Spring Valley, New York.

1988: Windsor Life changes its name to Empire State Life Insurance Company. Unity plays an integral part in the successful lobbying for the passage of the demutualization law in New York State.

1989: Unity merges with Progressive Life Insurance Company, Red Bank, New Jersey.

1991: Unity moves to new Corporate Headquarters at One Unity Plaza at Franklin Square, Syracuse, New York 13250-5000.

1993: Unity Celebrates its 90th Anniversary. Unity merges with Eastern Mutual Life Insurance Company, Clifton, New Jersey. Unity acquires Germantown Life Insurance Company, Philadelphia, Pennsylvania. Unity merges with its subsidiary Empire State Life Insurance Company.

1994: Unity is licensed in North Carolina and becomes one of the elite 1% of life insurance companies that are both domiciled in New York and licensed to do business in all 50 states.

1995: Unity acquires blocks of annuity and life insurance business from Consumers United Insurance Company of Washington, DC. Unity challenges all other insurance companies in the U.S. and Canada to beat its high percentage of employees who have achieved the designation of Fellow, Life Management Institute (FLMI) and wins hands-down. Unity proudly has the highest percentage of FLMIs of any life insurance company in the U.S. and in Canada.

1998: Unity acquires Confidential Planning Corporation (CPC) of Hartsdale, New York. CPC is a financial services agency serving over 20,000 households throughout New York, Connecticut, New Jersey, and Pennsylvania.

Unity Life - Products

Interest Sensitive

  • available as qualified and non-qualified
  • Single Premium Deferred Annuity (SPDA)
  • Flexible Premium Deferred Annuity (FPRA)

Monthly Debit Ordinary

  • maximum face amount of $10,000
  • Senior Whole Life (available without a medical exam and without health questions)
  • Whole Life
  • 20 Payment Life
  • 10 Payment Life
  • Life Paid Up at 65

Final Expense

  • Senior Life (Horizon 2000)

Regular Ordinary

  • Millennium Whole Life
  • Ordinary Life (OL 88) *

* only available in states where Millennium Whole Life is not yet approved

Progressive Ordinary

  • Juvenile Increasing Whole Life (at age 21, the face value per unit multiplies by 5 with no change in premium)

Availability of products varies by state. For product questions, call 800.836.7100.



PO Box 5000,
NY 13250-5000

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