Lifetime coverage that never expires — with cash value that grows and a rate locked in for life.
Whole life insurance covers you for your entire life, not just a set term. As long as premiums are paid, your family is protected — and your policy builds cash value you can borrow against over time.
Premiums are locked in when you start and never increase with age. It’s permanent peace of mind and a financial asset in one.
People who want coverage that never expires, a rate that never rises, and a policy that builds value they can use during their lifetime.
Apply in minutes. Coverage begins after approval and first payment.
Get a quote and apply with a licensed agent in one quick call.
Free, no-pressure virtual appointment on your schedule.
Request a free info kit and apply from home, at your own pace.
Term covers a set period at a lower cost; whole life covers your entire life, locks your rate forever, and builds cash value. Many families use a mix of both.
Yes — once it accumulates, you can typically borrow against your policy’s cash value for emergencies or opportunities.
Many of our plans use a simple yes/no health application with no medical exam. Some coverage amounts may require additional questions, and a licensed agent will tell you exactly what applies to you.
Once your application is approved and your first payment is made, coverage can begin right away. A licensed agent walks you through every step.
Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.
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