United World Life Insurance Company: Customer Ratings & Reviews [2024]
Learn more about United World Life Insurance Company's extensive coverage options and discounts, offering affordable solutions for your life insurance needs.
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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United World Life Insurance Company
Average monthly rate for healthy individuals:
N/AA.M. Best rating:
A-Complaint level:
LowPros
- Offers a variety of coverage options to meet your unique needs
- Affordable premiums for quality coverage
- Strong reputation for excellent customer service
Cons
- Limited to life insurance coverage only (does not offer other types of insurance such as auto or home insurance)
United World Life Insurance Company is a well-established provider of comprehensive life insurance coverage. Founded in 1963, the company offers a range of options to meet individual and family needs, including term life insurance, whole life insurance, and universal life insurance.
With a focus on affordable coverage and quality customer service, United World Life Insurance Company has earned a strong reputation among customers. The company is licensed to do business in all 50 states and offers discounts for multiple policies and non-smokers.
Overall, United World Life Insurance Company is a solid choice for those seeking reliable life insurance coverage.
What You Should Know About United World Life Insurance Company
Company Contact Information
- Website: www.unitedworldlife.com
- Phone: 800-828-1540
- Address: 4333 Edgewood Rd NE, Cedar Rapids, IA 52499
Related Parent or Child Companies:
- United World Life Insurance Company is a subsidiary of Mutual of Omaha, a Fortune 500 company that provides insurance, banking, and financial services.
Financial Ratings:
- United World Life Insurance Company has an A- (Excellent) rating from A.M. Best, indicating a strong ability to meet its financial obligations.
Customer Service Ratings:
- United World Life Insurance Company has a strong reputation for excellent customer service, with a low level of customer complaints.
Claims Information:
- United World Life Insurance Company offers a simple and efficient claims process for customers. Claims can be submitted online or by phone, and the company provides regular updates throughout the claims process.
Company Apps:
- United World Life Insurance Company does not currently offer a mobile app for customers, but policyholders can access their account information and make payments through the company website.
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United World Life Insurance Company Insurance Coverage Options
United World Life Insurance Company offers a range of coverage options to meet the needs of individuals and families. These coverage options include:
- Term Life Insurance: Provides coverage for a specified period of time (such as 10 or 20 years) at a fixed premium rate.
- Whole Life Insurance: Provides coverage for the entire lifetime of the insured and includes a savings component that can accumulate cash value over time.
- Universal Life Insurance: Provides flexible coverage options and allows policyholders to adjust their premium payments and death benefit over time.
- Final Expense Insurance: Provides coverage to help pay for end-of-life expenses such as funeral costs and outstanding medical bills.
- Accidental Death Insurance: Provides coverage in the event of accidental death or dismemberment.
- Children’s Life Insurance: Provides coverage for children to help pay for final expenses or provide a financial safety net for the future.
United World Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | United World Life Insurance | National Average |
|---|---|---|
| Clean Record | $85 | $119 |
| 1+ Ticket | $133 | $147 |
| 1+ Accident | $150 | $173 |
| DUI | $222 | $209 |
| Poor Credit | $145 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
United World Life Insurance Company Discounts Available
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| Discounts | United World Life Insurance |
|---|---|
| Anti Theft | 14% |
| Good Student | 20% |
| Low Mileage | 15% |
| Paperless | 10% |
| Safe Driver | 24% |
| Senior Driver | 14% |
United World Life Insurance Company offers several discounts to help customers save on their life insurance premiums. These discounts include:
- Multiple Policy Discount: Customers who have more than one policy with United World Life Insurance Company (such as a life insurance policy and a disability insurance policy) can receive a discount on their premiums.
- Non-Smoker Discount: Customers who are non-smokers and have not used tobacco products within the last 12 months may be eligible for a lower premium.
- Health and Wellness Discount: Customers who participate in certain health and wellness programs may be eligible for a discount on their premiums.
- Association Discount: Members of certain associations or organizations may be eligible for a discount on their premiums.
- Preferred Rate Discount: Customers who are in good health and meet certain eligibility requirements may be eligible for a preferred rate discount on their premiums.
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How United World Life Insurance Company Ranks Among Providers
United World Life Insurance Company has established itself as a robust choice in the life insurance market, offering comprehensive coverage options with a focus on affordability. To provide a nuanced understanding of its standing, it’s crucial to examine the strengths of its main competitors, each bringing unique advantages to the table.
- Mutual of Omaha: As the parent company, Mutual of Omaha brings the strength of financial diversity, offering not only life insurance but also a broad spectrum of financial services. With a Fortune 500 status and a robust A.M. Best rating, it ensures a stable and multifaceted approach to financial well-being.
- Prudential: Prudential stands out for its global presence and extensive range of financial products. The company’s strength lies in its long-standing reputation, financial stability, and a diverse set of insurance solutions, making it an appealing choice for those seeking a well-established provider.
- New York Life: New York Life’s unparalleled history of over 175 years and commitment to a mutual structure bring strength to its offerings. With a focus on policyholder dividends and long-term financial stability, it appeals to individuals valuing tradition, mutual benefits, and a company deeply rooted in the industry.
Exploring the strengths of United World Life Insurance Company’s main competitors provides valuable insights for individuals seeking the most suitable life insurance coverage.
Whether it’s the financial diversity of Mutual of Omaha, the global presence of Prudential, or the longstanding traditions of New York Life, understanding these strengths aids in making an informed decision aligned with specific financial goals and preferences.
Frequently Asked Questions
How do I apply for coverage with United World Life Insurance Company?
You can apply for coverage online or by contacting a licensed agent.
Can I change my coverage amount after I purchase a policy?
Yes, with a universal life insurance policy, you have the ability to adjust your coverage amount over time.
How do I qualify for a non-smoker discount?
You will need to provide proof that you have not used any tobacco products within the past year.
Does United World Life Insurance Company offer a mobile app for policyholders?
No, United World Life Insurance Company does not currently offer a mobile app for customers. However, you can access your account information and make payments through their website, providing convenient online access to your policy details.
What are the coverage options available from United World Life Insurance Company?
United World Life Insurance Company offers a range of coverage options, including term life insurance, whole life insurance, and universal life insurance. These options provide different levels of coverage and flexibility to suit individual preferences and financial goals.
Compare Insurance Providers Rates to Save Up to 75%
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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