Express Issue Term 203 is a level death benefit term plan with an initial level premium guarantee period of 20 years. At the end of 20 years, premiums increase on an annual basis. Express Issue Term 20 is available with four additional riders: Total And Permanent Disability Benefit (Waiver of Premium), Accidental Death Benefit Rider, Child Rider4, and a no‑cost Terminal Illness Accelerated Benefit Rider.

Express Issue Term 303 is a level death benefit term plan with an initial level premium guarantee period of 30 years. At the end of 30 years, premiums increase on an annual basis. Express Issue Term 30 is available with four additional riders: Total And Permanent Disability Benefit (Waiver of Premium), Accidental Death Benefit Rider, Child Rider4, and a no‑cost Terminal Illness Accelerated Benefit Rider.

Premier 203 is a level death benefit term product with an initial level premium guarantee period of 20 years and includes a Return-Of-Premium feature. At the end of 20 years, premiums increase on an annual basis. This term plan builds up a guaranteed cash value that can be used to “return” to you the total annual premiums paid through the end of the initial term period.5 Premier 20 is available with two additional riders: Child Rider4 and a no-cost Terminal Illness Accelerated Benefit Rider.  Term products from UHL/UFFL provide protection for every stage of your life, whether you’re newly married, buying a home, or starting a family. Term insurance offers coverage for your loved ones in a budget-conscious way. And, it can also be a valuable addition to your existing insurance portfolio to help cover a specific, finite need such as mortgage protection or to supplement group coverage offered by an employer.



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LifeScape Non-Med Term 350

  • Coverage  is available in amounts up to $350,000 for level term periods of 10,15,20, or 30 years, depending on age and insurability.
  • Income tax-free death benefit
  • No medical exams
  • State Availability:  Available in all states except New York


LifeScape Term 350 PLUS

  • Coverage is available in amounts up to $350,000 for level term periods of 10,15,20, oe 30 years, depending on age and insurability.
  • Income tax-free death benefit
  • State Availability:  Available in all states except New York




                     ​                                         Term Life Answers Final Expense Product


  • Terms - 10,15,20, 30 years
  • ​Face Amounts - $100,000 +
  • Competitive premiums
  • Level and guaranteed premiums for the full term
  • Age-at-last-birthday advantage
  • Great convertibility option​​

Term Life Products​:

Currently Recruiting Agencies and Agents to sell Term Life Insurance - Outstanding Commissions !

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