A captive agent can only sell one company's policies. If that company's underwriting doesn't like your blood pressure, your job, or your age, the answer is a higher price or a no.
Health questions and pricing are not standardized across carriers. The same person can be declined at one company and approved at standard rates at another. Knowing which is which is our job, and comparing costs you nothing.
The trouble with employer group life isn't what it offers — it's what it doesn't. When the job ends, the coverage ends. When the contract changes, the terms change. When you retire, it disappears entirely.
We built UTL to help working families close that gap — simply, portably, with coverage that belongs to you.
A whole life policy is a contract between you and the insurer. Your employer doesn't control it. Your union contract doesn't affect it. When you retire, change jobs, or leave the workforce, the policy stays exactly where it is.
Whole vs. term →For most coverage levels, qualification is a short set of health questions — no physical, no blood draw, no multi-week underwriting. Built for the ironworker with a trick knee and the teacher with manageable high blood pressure.
How simplified issue works →The premium you buy at 35 is the premium you pay at 75. The single biggest lever on life insurance cost is your age at issue — so the best time to buy is always now, rather than later.
Cost by age →For most union group plans, life insurance ends at retirement — exactly when your spouse's income security, your mortgage balance, and your family's dependence on pension survivor benefits need it most.
Your union secured you valuable benefits — but most union group life has three structural gaps that leave families exposed at the worst possible moment. A plain-English breakdown of what your group plan actually covers, where it falls short, and what you can do about it.
Read the full guide →Tell us a little about you and a licensed agent will compare carriers and call you with your options, usually within one business day. No medical exam on many plans.