United Home Life Customer Service, Claims, and Bill Pay Contacts

Contact directory

United Home Life phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on United Home Life's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact United Home Life

• File a death claim as a beneficiary
• Check a policy's cash value or loan balance
• Make a premium payment or set up bank draft
• Change a beneficiary or address
• Request an in-force illustration or policy copy
• Ask about surrenders, withdrawals, or annuity payments

Tips for a faster call

Have your United Home Life policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether United Home Life offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a United Home Life claim

United Home Life provides an Online Claim Reporting form for life claims. Use the official form at eforms.unitedhomelife.com/LifeClaim.aspx. The form identifies the company as United Home Life Insurance Company. Before starting, gather the policy number, insured person’s details, claimant contact information, and relevant documents so you can complete the form accurately.

After submitting the form, save any confirmation details and note the submission date. For help before or after filing, call 1-800-428-3001, the company’s listed “Call Us” number. Have the policy number and claim information ready so the representative can direct your question appropriately.

Before you report a claim

• Find the policy details. Look for the policy number and the insurance company's name on the policy, statements, or bank records showing premium payments.
• Get certified death certificates. Most companies ask for a certified copy. The funeral home can usually order several.
• Contact the company's claims team. Ask for a claim form and a list of the documents they need.
• Complete the claim form carefully. Each beneficiary usually files separately. Include your contact and tax information.
• Keep copies of everything. Save the claim number and notes from every call.

What happens after you file

After United Home Life receives a complete claim, it reviews the policy, the beneficiary designation, and the documents. Claims can take longer if the policy is less than two years old, the cause of death needs review, or paperwork is missing. Beneficiaries can usually choose how to receive the proceeds, such as a lump sum.

If you can't find a policy, the NAIC offers a free Life Insurance Policy Locator that searches participating companies for policies in a deceased person's name. If you disagree with a claim decision, ask United Home Life for a written explanation. You can also contact your state insurance department.

Billing

How to pay your United Home Life bill

The website does not provide a payment phone number, payment website, mailing address, recurring-payment option, or other bill-pay method. Review your policy documents, billing statement, or declarations page for payment instructions. You can also call 1-800-428-3001 for assistance. After making a payment, keep the confirmation and check your next statement or account record to confirm that it posted.

Use the policy number shown on your billing statement when asking about a payment. If your payment is not reflected by the expected due date, contact the company promptly and keep your receipt or confirmation number available.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with United Home Life before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through United Home Life's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About United Home Life

United Home Life is the customer-facing brand identified in the company’s materials. The company’s legal name is United Home Life Insurance Company. One company page also refers to United Home Life and UHL Insurance Company. Use the legal name shown on your policy when completing forms or corresponding about coverage.

The company website describes whole life insurance with lifetime coverage and no medical exams or invasive testing. It also lists term life insurance with a stated benefit for a stated period and a level premium. Accidental death insurance is described as lower-cost coverage for several occupations and situations. Whole life generally remains in force for life when premiums are paid as required, while term life applies during the stated coverage period.

Your agent

How Blake Insurance Group can help United Home Life customers

As an independent agency, we can help you reach the right United Home Life team, organize claim paperwork, and follow up if a request stalls. United Home Life decides claims and issues payments, but we can help you understand the process.

We can also review whether your current coverage still fits. Learn more about life insurance, term life insurance, and final expense insurance.

Take the next step

Need help reaching United Home Life?

Call us and have this ready so we can help quickly.

• Your United Home Life policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against United Home Life's websites and these consumer sources in September 2026:

• United Home Life: Company.html (external site)
• United Home Life: LifeClaim.aspx (external site)
• United Home Life: Official website (external site)
• NAIC: Life Insurance Buyer's Guide (PDF) (external site)
• NAIC: Insurance fraud (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not United Home Life, and this page is not operated by or affiliated with United Home Life. We gathered the phone numbers and links on this page from United Home Life's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.