Correct Coverage Insurance

Call: (954) 561-8297

Toll Free: (877) 646-2238
E-mail: insuresave@aol.com

P.O. Box 11104 
Fort Lauderdale, FL 33339
Fax: 954-566-0059
Boy with stethoscope

EXPRESS ISSUE TERM LIFE INSURANCE



No Doctor's Exam
No Blood or Lab Tests

Just Answer "no" to 4 Medical Questions
Competitive Rates - Guaranteed for 20 years
Up to $100,000 Face Amount
Free $5,000 Child Rider coverage for $100,000 base policies
Built-In Terminal Illness Benefit
(not available in CA or IL)
20-year Level Term Policy
Guaranteed Renewable to age 95
No Minimum Face Amount

Introducing a life insurance policy that provides the protection you need, with a fast, easy, and convenient way to purchase it.

Life insurance is a key component of any well-­designed financial plan. life insurance can help ensure that the financial goals you set for yourself or your loved ones can be carried out - even if you are not there to carry them out yourself.

Without adequate life insurance, even the best of intentions may not be good enough. Backing up your financial goals with life insurance can mean that funds will be available to help with such things as: allowing your family to remain in their home, money for a child's education, provide your business partners financial protection they would require in the event of your death, or simply protecting your family from experiencing a drastic reduction in their standard of living during an already difficult period.

Simply put, owning the right life insurance coverage means that you are seeing to the needs of your household, regardless of what the future may hold for you and them.


Challenge:

How to purchase life insurance with no delay, inconvenience or red tape

Solution:

The primary feature of this extraordinary new life insurance policy is just what the name implies. "Express Issue" can be issued to you without the delay and inconvenience normally associated with applying for other types of life insurance. There are no long application forms to fill out and no doctors' appointments or blood tests to schedule and keep. Your agent will ask you four questions about yourself and within days an Express Issue Term Life Insurance policy can be yours, backed by a financially-sound company that has been serving insureds for more than 50 years.

Challenge:

Finding a tenn life insurance policy that can provide a substantial amount of coverage, while maintaining its emphasis on affordability.

Solution:
Express Issue Term life insurance.

Sometimes people are forced to choose life insurance coverage based on what they can afford instead of what they feel they need.

United Home Life Insurance is offering a term insurance policy that helps solve this dilemma. The Express Issue Term was designed with value and convenience in mind. This means it can be easier than ever to purchase the coverage necessary to address many, if not all your needs. Plus, by adding the benefits available with this policy, you can tailor a plan that caters to your specific situation.



United Home Life is a family oriented Company founded in 1948 with a philosophy of developing personal service with our clients through our Agents and Staff. Clients and Agents are encouraged to call us to discuss any questions or concerns with your life insurance and annuity needs. We're here to serve you.

UHL's primary focus is providing affordable, flexible life insurance solutions for you, our Clients. We have developed many products and programs specifically designed to help clients meet their personal life insurance planning goals - all with low minimum face amounts and premium requirements.

United Home Life Insurance Company is committed to our Clients by providing sound financial security based upon a strong financial position for our Company. UHL's concentrated asset management philosophy is on long­term bonds, the majority of which are investment grade to provide safety for policyholders. UHL also has a significant safety factor in our Assets over Liabilities margin - which is greater than the average of the country's 25 largest life insurance companies. Sound financial strategy and long-term stability provide Clients with the solutions this competitive world requires.

Our Agents can help you find the Solutions and Opportunities needed in this ever-changing world.

If you are looking for a company with a family atmosphere where you are more than a number. .. a company dedicated to giving policyholders the finest quality service and who will give you the attention you deserve, then United Home Life Insurance Company is the Life Insurance Company for YOU.

At UHL we have New Focus, New Solutions, and New Opportunities for our Clients.


United Home Life is now offering 20-year level term coverage  (up to $100,000 total on this plan) for people between ages 20 and 60.  There is no medical exam or blood test.  To qualify, you must be able to answer "no" to 4 underwriting questions (below).

Sample Annual Premiums for the non-tobacco rating class
(no nicotine for last 12 months)
Age
$100,000 Face Amount
$50,000 Face Amount
Male
Female
Male
Female
30
$230.00
$204.00
$152.50
$139.50
40
$305.00
$260.00
$190.00
$167.50
50
$660.00
$453.00
$367.50
$264.00
These are sample premiums. Please call for a quote for your specific age and gender.


EXPRESS ISSUE TERM PLUS UNDERWRITING QUESTIONS:

If you can answer "NO" to these 4 questions,
 you can probably qualify for this insurance.

1. In the past 5 years, have you been diagnosed or treated for Alzheimer's Disease, internal cancer or melanoma, leukemia, heart attack, stroke, kidney disease (including dialysis), liver disease, or any lung disease or Chronic Obstructive Pulmonary Disease, insulin dependent diabetes, alcohol or drug abuse or addiction, or surgery for any heart or circulatory disease (except varicose veins), or transplant of any organ?

2. In the past 2 years, have you been diagnosed with a terminal illness (an illness that would be expected to cause death within 2 years); been confined (or currently confined) to a Hospital, Nursing Home, Mental Facility, or Hospice more than two times; or have you ever tested positive for the AIDS virus, or been diagnosed or treated, or recommended for treatment for AIDS, ARC, or any other immune disorder?

3. In the past 10 years have you been convicted of a felony; or in the past 5 years have you been convicted of operating a vehicle while intoxicated, or had your drivers license suspended or revoked?

4. Do you now participate in, or do you have plans to participate in any hazardous sport or aviation; or have you been declined or postponed for Life or Health Insurance in the past 2 years?

CALL Jim Rakvica at (877)646-2238 or (954)561-8297
for personal attention to your needs

Express Issue Term Life Insurance is available in the following states:

Alabama,  Arizona,  Arkansas,  California,  Connecticut,  D.C.,  Florida,  Georgia,  Hawaii,  Idaho,  Illinois,  Indiana,  Kentucky,  Louisiana,  Maryland,  Michigan,  Minnesota,  Mississippi,  Missouri,  Nebraska,  Nevada,  N. Carolina,  Ohio,  Oklahoma,  Oregon,  Pennsylvania,  S. Carolina,  Tennessee,  Texas,  Virginia.


 CLICK HERE TO DOWNLOAD THE APPLICATION


HOW TO APPLY:
  1. Download and print the application (click here)
    Note: This is a PDF File, if you don't have Adobe Acrobat Reader, click here to download it.
  2. Complete the application
  3. The table above gives sample premiums.  Call Jim Rakvica at the number at right for an exact quote.
  4. Make your check payable to United Home Life.  To use the monthly electronic transfer feature, please enclose a blank check marked VOID.
  5. Mail applications with a check to the address at right.

FOR HELP OR MORE INFORMATION CALL: 

CORRECT COVERAGE INSURANCE
Toll Free: (877)646-2238
or (954)561-8297
E-mail:insuresave@aol.com
P.O. Box 11104  Fort Lauderdale, FL 33339
Fax: 954-566-0059


For more information about Life Insurance in general, click here

FAIR CREDIT REPORTING ACT / MEDICAL INFORMATION BUREAU NOTICE

In compliance with the provisions of the FAIR CREDIT REPORTING ACT, this notice is to inform you that in connection with your application for insurance an investigative consumer report may be prepared. Such a report includes information as to the consumer's character, general reputation, personal characteristics, and mode of living and is obtained through personal interviews with friends, neighbors, and associates of the consumer. Upon written request, a complete and accurate disclosure of the nature and scope of the report, if one is made, will be provided.

Information regarding your insurability will be treated as confidential. United Home Life Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MEDICAL INFORMATION BUREAU, a non-profit membership organization of life insurance companies, which operates an information exchange on behalf of its members. If you apply to another Bureau company for life or health insurance coverage or a claim for benefits is submitted to such a company, the Bureau, upon request, will supply such company with the information in its file.

Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file. If you question the accuracy of information in the Bureau's file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the federal FAIR CREDIT REPORTING ACT. The address of the Bureau's information office is Post Office Box 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) 426-3660.

United Home Life Insurance Company or its reinsurer(s) may also release information in its file to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted.


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