Independent agency/A-rated carriers/No medical exam, no blood work Independent agency/No medical exam
United Trust Life United Trust Life Independent Life Insurance
Talk to an agent

Instant quote

See your rate and finish the application in about ten minutes.

Answer a short set of health questions online and get a decision on the spot — no medical exam and no blood work on the plans below. A licensed United Trust Life agent is behind every application, and you can stop and call us at any point.

Four ways to get covered today.

Each one opens a secure application in a new tab. Nothing is bound until a policy is issued, and you can stop at any point and have an agent finish it with you.

Term with living benefits

Term life, with living benefits

$50,000 to $1,000,000 · ages 18 to 60

  • Chronic illness and terminal illness riders included
  • Optional accidental death and dependent child riders
  • Decision online, no medical exam
  • Pay by bank draft or card
Start my quote →

Opens in a new tab

Pure term

Pure term life

$50,000 to $1,000,000 · ages 18 to 60

  • Option to convert to whole life later
  • Accelerated death benefit for terminal illness included at no additional premium — up to 50% of the face amount, $100,000 maximum, after a two-year wait
  • Optional accidental death and dependent child riders
  • Pay by bank draft or card
Start my quote →

Opens in a new tab

Final expense

Final expense

$5,000 to $50,000 · ages 50 to 85

  • No medical exam required
  • Full coverage from day one
  • Premiums guaranteed for life
  • Pay by bank draft or card
Start my quote →

Opens in a new tab

Guaranteed issue

Guaranteed issue

$5,000 to $25,000 · ages 50 to 85

  • Guaranteed approval, no health questions
  • Graded death benefit in years one through three, full benefit from year four
  • Builds cash value over time
  • Pay by bank draft or card
Start my quote →

Opens in a new tab

Rather not do it yourself?

Have a licensed agent shop it for you.

The instant application above is one carrier. We are an independent agency, so if your age, health or budget points somewhere else, we will quote several A-rated carriers and tell you what each one will do.

  • Useful if you are outside the ages or amounts above
  • Useful if you have a health condition you want looked at first
  • Useful if you want term and final expense compared side by side

Have an agent call you

Five fields. A licensed agent reviews it and calls you back with real numbers.

By submitting this form you agree that a licensed insurance agent from United Trust Life may contact you about coverage. Submitting it does not apply for or bind coverage. See our Privacy Policy.

The instant applications on this page are offered through InstaBrain, and those policies are issued by Fidelity Life Association. United Trust Life is an independent insurance agency and is not Fidelity Life Association or InstaBrain. We also place coverage with other carriers, and which carrier fits depends on your age, health, state and budget.

Coverage amounts, issue ages, riders, graded benefit periods and product availability vary by state and are subject to the terms, exclusions and limitations of the policy that is issued. Riders may carry an additional cost unless the product description says otherwise. Starting an application does not apply for or bind coverage, and no coverage is in force until a policy is issued and the first premium is paid. Nothing on this page is an offer of insurance or a guarantee of coverage or rates.