United Heritage Life Insurance Company (Idaho): Contacts, Services, Financials, Claims, Reviews and Benefits

Individuals and families looking for life insurance protection and financial security find a reliable partner in United Heritage Life Insurance Company.

The company’s commitment to customer service, diverse product offerings, and strong financial ratings make it a solid choice for long-term financial planning.

United Heritage Life Insurance Company (Idaho)
United Heritage Life Insurance Company has consistently received high marks from independent rating agencies for its financial strength and stability. [Photo: United Heritage Insurance]

United Heritage Life Insurance Company (Idaho)

Headquartered in Meridian, Idaho, United Heritage Life Insurance Company is a well-regarded provider of life insurance.

Since its founding in 1934, the company has served policyholders for over 80 years, providing a diverse range of life insurance, annuity, and preneed products.

Contact Details

  • Phone: (208) 466-7856
  • Toll-Free: (800) 657-6351
  • Website: https://www.unitedheritage.com/

Services and Products

To meet the needs of its policyholders, United Heritage Life Insurance Company provides a variety of products and services.

These offerings fall into three main categories: life insurance, annuities, and preneed.

Life Insurance

Provide financial protection for your loved ones in the event of your death with life insurance from United Heritage Life Insurance Company. Choose from a variety of life insurance products, including:

Annuities

Secure a guaranteed stream of retirement income with annuity products from United Heritage Life Insurance Company. Options include:

  • Fixed Annuities: Offers a fixed rate of return, providing a known monthly payout.
  • Variable Annuities: Potential for higher returns, but subject to market fluctuations.
  • Income Annuities: Guarantee a stream of income for life, a valuable source in retirement.

Preneed

Ease the financial burden on your loved ones by planning for funeral and burial expenses in advance. United Heritage Life Insurance Company offers various pre-need plans, including:

  • Funeral Expense Insurance: Covers the cost of your funeral and burial.
  • Burial Expense Insurance: Pays for the casket, burial plot, and related expenses.
  • Cremation Insurance: Covers the cost of cremation and memorial services.

Other Services offered by United Heritage Life Insurance Company (Idaho)

Beyond the mentioned products, United Heritage Life provides various additional services, such as:

  1. Policyholder Service: Access online accounts, customer service, and streamlined claims processing.
  2. Financial Planning: Utilize the financial planning services offered by United Heritage to achieve your financial objectives.
  3. Educational Resources: Explore an array of educational resources designed to enhance your understanding of life insurance, annuities, and preneed planning.

Financial Details

United Heritage Life Insurance Company’s Financial Strength

United Heritage Life Insurance Company stands as a financially robust entity, boasting strong credit ratings from all major credit agencies as of 2023:

  • A.M. Best: Superior (A+)
  • Standard & Poor’s: Very Strong (AA-)
  • Fitch Ratings: Very Strong (AA-)

These ratings underscore the company’s robust financial standing, proven profitability, and commitment to prudent risk management practices.

Key financial metrics for 2022 further affirm United Heritage Life Insurance Company’s financial health:

  • Total Assets: $704 million
  • Total Liabilities: $531 million
  • Policyholder Surplus: $173 million
  • Net Income: $18 million

These metrics highlight a financially sound company with a sturdy balance sheet.

United Heritage Life Insurance Company is well-equipped to fulfill its obligations to policyholders in the future.

Claims Processing and Cancellation Policy

United Heritage Life Insurance Company ensures an efficient and customer-friendly experience through its streamlined claims processing system and transparent cancellation policy.

Claims Processing

To initiate a claim, contact United Heritage Life Insurance Company’s customer service or submit a claim online.

The company will verify your identity and claim details. Once verified, they will process the claim and issue a check for the entitled death benefit or other benefits.

Cancellations

For policy cancellations, reach out to the customer service department or submit a cancellation request online.

Provide your policy number and the reason for cancellation. United Heritage Life Insurance Company will promptly cancel your policy and refund any unearned premiums.

Customer Reviews

Customers generally praise United Heritage Life Insurance Company. The Better Business Bureau (BBB) rates the company A+, with 24 customers awarding an average of 4.5 out of 5 stars.

On Google, the company maintains a high rating with an average of 4.8 out of 5 stars from 25 reviews.

Awards and Recognition

  • United Heritage Life Insurance Company has consistently received high marks from independent rating agencies for its financial strength and stability.
  • The company has also been recognized for its commitment to customer service and ethical business practices.

Benefits of Choosing United Heritage Life Insurance Company (Idaho) Policies

  1. Financial Protection: United Heritage Life Insurance Company offers diverse life insurance products to provide financial protection for your loved ones. Policies can cover funeral and burial expenses, pay off debts, and offer ongoing income for your family.
  2. Peace of Mind: Gain peace of mind knowing your loved ones are financially protected. United Heritage Life Insurance Company’s policies help alleviate the burden on your family during challenging times.
  3. Affordability: Access affordable life insurance products tailored to your budget. The company provides competitive rates and a range of policy options.
  4. Strong Financial Strength: Count on the financial stability of United Heritage Life Insurance Company, supported by robust credit ratings from major agencies. Confidence in the company’s ability to meet policyholder obligations is assured.
  5. Excellent Customer Service: Experience top-notch customer service from United Heritage Life Insurance Company. Knowledgeable and helpful customer service representatives are always available to address your inquiries, ensuring a positive customer experience.

Key Highlights of United Heritage Life Insurance Company

  • Founded: 1934
  • Headquarters: Meridian, Idaho
  • Products: Life insurance, annuities, preneed plans
  • States Served: 49 states and the District of Columbia
  • Financial Strength Ratings: A+ (Superior) by A.M. Best, AA- (Very Strong) by Standard & Poor’s, AA- (Very Strong) by Fitch Ratings