United Benefit Group is dedicated to product innovation and meeting the needs of individuals, businesses, and families through all stages of life. We focus our recourses on providing you with life insurance and annuity solutions specifically to meet your needs.
Final Expense Life Insurance
Many people wonder where will the money come from and how much will be needed. Expenses can include the cost of a funeral, but also the unanticipated charges such as medical costs not covered by your health insurance, other unpaid bills, and even state and federal taxes. Funeral costs alone can be as much as $10,000 or even more depending on where you live and your personal preferences.
Social Security only pays a one-time death benefit of $255.00 to the surviving spouse or dependent children of an insured participant. Life insurance can make some hard choices easier by making funds available just when they are needed. Through thoughtful planning today, you can help relieve the ones left behind of the worry of how to fund these final expenses.
Our plans are issued on a simplified issue basis that involves a short application without additional medical requirements or exams. Each plan creates a cash value that is accessible by policy loans (loans reduce the death proceeds), allows easy premium payment through bank draft or billings, and can never be canceled except for nonpayment of premium. We also have plans that ask absolutely no health questions, guaranteeing your insurability regardless of your health history.
Permanent life insurance designed with the person in mind who has found it difficult or impossible to obtain life insurance in the past because of poor health or advancing age.
Protection, when you’re Family, needs it most…
Decisions at the time of a loved one’s death are some of the most difficult a family will ever be forced to make.
In the event of a tragedy, mortgage term life insurance policy helps guarantee your loved ones a tax-free death benefit. These funds can your help with mortgage payments and everyday expenses. Policy terms are available for 15 to 30 years.
Term Life Insurance
United Benefit Group offers term insurance products that are available on a simplified issue basis for face amounts less than $250,000 and a fully underwritten basis up to $3,000,000. For fully underwritten products, both standard and preferred underwriting classes are available.
Purchasing a Whole Life Insurance policy guarantees that you will receive the face amount of the policy, providing immediate security to you and your loved ones. Over time, the cash value of the policy will accumulate on a tax-deferred basis. Also, should you ever have a financial emergency or opportunity; you can access the loan value of your policy through a policy loan. Best of all, your premium payments always remain the same, even as you grow older, providing for affordable lifetime coverage.
Universal Life and Indexed
Universal life insurance (UL) comes in a lot of different flavors, from fixed-rate models to variable ones, where you select various equity accounts to invest in. Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account.
In today's economy, retirement income is no longer as certain as it once was. It's becoming increasingly important to have a sound financial plan in place. With an annuity, you can guarantee income for the rest of your life and enjoy your golden years without worrying about finances or burdening your family.
The Living Benefits Rider can help offer peace of mind at a critical time. It entitles the policy owner to an early (accelerated) payout of policy death benefits if the insured is diagnosed to have a life expectancy of 12 months or less.
A plan that helps pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Plans are standardized. The core benefits from plan to plan are the same from every insurance company. The difference is in the company, the quality of service, and the price!