Often throughout the course of their careers insurance agents are confronted with a case that is just difficult to place. It could be due to a clients past medical history, a weight problem, or any number of other factors that insurance companies simply do not like. Sometimes these factors can result in a client being rated, other times it can mean a decline. An option to consider for these clients is United Home Life.

United Home Life offers three product types:
Term: Express Issue Term Plus (20), Express Issue Term 30, Premier 20 (20 ROP)
Premier 30 coming Fall 2005.
Whole Life: (TPS III) Express Issue Whole Life, Express Issue Deluxe, Express Issue Premier.
The newest product group from UHL is the Total Protection III (TPS III) series. The TPS III debuted about 2 months ago. Features of this series are:
Total Protection Series III replaces the TPS II.
In most states, TPS II will no longer be accepted.
TPS III is the name of the whole life product group.
Express Issue Whole Life: Graded whole life, virtually guaranteed issue.

Many clients who are very difficult to place elsewhere would fit well with UHL. For example, a client who would qualify for term insurance from UHL would be someone who has:
Type 2 diabetes, under 60, taking oral meds. (table rated to at least 2 every where else)
Heart Disease, must be more than 5 years of occurrence and client must be in good condition now. Most companies will table rate for this. Cancer (non skin), must be free of cancer for 5 years or more. Most companies will table rate unless it's 10 years.
Clients who travel. The app has no travel questions.

And, someone who would qualify for Whole Life would be:
Anyone who is not terminally ill, confined to a hospital or diagnosed with HIV/AIDS qualify for the Express Issue Whole Life.
Cancer, Heart Disease are the same for the Express Issue Deluxe as for term.
Insulin Dependent Diabetics qualify for Express Issue Whole Life and Deluxe plans.
As with Term, no travel questions.
United Home Life offers a wide array of great products that can be tailored for virtually any type of client. To learn more about UHL be sure to sign up for LifePro and UHl's Web Ex Event. This event will answer many of the questions regarding UHL, their new products, and their future direction.

www.LifePro.com

At LifePro, we are more than a borkerage agency; we are the future of financial product and service distribution. LifePro offers independent agents and advisors the type of agency-level service that most independent brokerage agencies no longer provide.