When families start researching Union Fidelity Life Insurance Co, I often get calls asking whether this company is legitimate, what products they offer, and how they compare to other carriers in the market. It’s a smart question to ask—with so many life insurance companies out there, you want to make sure you’re working with a reputable carrier that will be around when your family needs them most.
For a complete overview, see final expense insurance explained.
In my years as an independent agent, I’ve learned that understanding a carrier’s background, financial strength, and product offerings is crucial before making any decisions. Let me walk you through everything you need to know about Union Fidelity Life Insurance Company, so you can make an informed choice about your family’s financial protection.
Who Is Union Fidelity Life Insurance Co?
Union Fidelity Life Insurance Company has been serving American families for over four decades. Founded in 1970 and headquartered in Trevose, Pennsylvania, this carrier has built a reputation in the final expense and burial insurance market.
What makes Union Fidelity different from some of the larger household names is their focus on simplified issue life insurance products. This means they specialize in coverage that doesn’t require medical exams—perfect for seniors or those with health conditions who might struggle to qualify for traditional fully underwritten policies.
The company operates primarily through independent agents like myself, which means they’re not selling directly to consumers through TV commercials or online advertising. Instead, they rely on licensed professionals to help match their products with the right families.
Union Fidelity’s Financial Strength and Ratings
When I’m evaluating any life insurance carrier for my clients, financial stability is the first thing I look at. After all, a life insurance policy is only as good as the company’s ability to pay claims decades from now.
Union Fidelity Life Insurance Co maintains solid financial ratings, though they’re not at the very top tier like some of the mega-carriers. Here’s what you need to know about their financial position:
A.M. Best Rating
Union Fidelity holds an A- (Excellent) rating from A.M. Best, which is the gold standard for insurance company ratings. This rating indicates the company has a strong ability to meet its ongoing insurance obligations to policyholders.
What This Rating Means
An A- rating puts Union Fidelity in good company—it’s considered an excellent rating that demonstrates financial stability and claims-paying ability. While it’s not the highest possible rating (A++ is the top), it’s well within the range I’m comfortable recommending to families.
Products Offered by Union Fidelity Life Insurance Co
Union Fidelity specializes in what we call the “final expense” market. These are life insurance products designed specifically to help families cover end-of-life costs without putting their loved ones through complex underwriting.
Simplified Issue Whole Life Insurance
This is Union Fidelity’s primary product, and it’s designed with simplicity in mind:
Coverage Amounts: Typically ranging from $2,000 to $25,000 Ages: Usually available from 50 to 85 Health Questions: Limited to just a few basic questions—no medical exam required Premium Structure: Level premiums that never increase
The application process is straightforward. Instead of blood tests, medical records, and lengthy health questionnaires, you’ll answer maybe 8-10 health questions. If you qualify based on those answers, you’re approved.
Guaranteed Issue Options
For those who can’t qualify for simplified issue coverage, Union Fidelity also offers guaranteed acceptance policies. These require no health questions at all, but they do come with a graded death benefit—meaning if you pass away from illness in the first two years, beneficiaries receive only the premiums paid plus interest.
Who Should Consider Union Fidelity Life Insurance Co?
In my experience, Union Fidelity works well for specific situations. Here’s where I might recommend them:
Seniors with Health Issues
If you’re between 50-85 and have health conditions that make traditional life insurance difficult to obtain, Union Fidelity’s simplified underwriting can be a good fit. They’re often willing to accept conditions that might cause other carriers to decline coverage.
Final Expense Planning
When families tell me they just want enough coverage to handle funeral costs, outstanding medical bills, and small debts, Union Fidelity’s coverage amounts align well with these needs. You’re not paying for more insurance than you actually need.
Quick Coverage Needs
Because there’s no medical exam required, Union Fidelity policies can often be approved and issued within days rather than weeks. If you need coverage in place quickly, this can be valuable.
How Union Fidelity Compares to Other Final Expense Carriers
When I’m shopping the market for clients, I always compare multiple carriers. Here’s how Union Fidelity typically stacks up:
Competitive Advantages
Underwriting Flexibility: Union Fidelity often approves applicants that other carriers decline
Quick Issue Process: Fast turnaround from application to policy delivery
Agent Support: They work well with independent agents and provide good service
Areas Where Others May Excel
Premium Pricing: Some competitors offer lower rates for healthy applicants Coverage Amounts: Other carriers may offer higher maximum face amounts Additional Riders: Some competitors provide more policy add-on options
Understanding the Application Process
When we work together on a Union Fidelity application, here’s what you can expect:
Step 1: Health Questions
You’ll answer basic questions about your health history. These typically cover:
- Recent hospitalizations
- Major medical conditions
- Current medications
- Tobacco use
Step 2: Phone Interview
A representative from Union Fidelity will call to verify your application information and ask a few additional questions. This usually takes 10-15 minutes.
Step 3: Approval Decision
In most cases, you’ll receive an approval decision within 24-48 hours of completing the phone interview.
Step 4: Policy Delivery
Once approved, your policy documents are prepared and delivered, usually within a week.
Important Considerations Before Choosing Union Fidelity
While Union Fidelity can be a good choice for many families, there are some important factors to consider:
Limited Coverage Amounts
If you need more than $25,000 in coverage, Union Fidelity may not be the right fit. You might be better served by a carrier offering higher face amounts.
Premium Costs
Simplified issue insurance always costs more than fully underwritten coverage. If you’re healthy enough to qualify for traditional underwriting, you might find better rates elsewhere.
Product Focus
Union Fidelity specializes in final expense insurance. If you’re looking for term life insurance, universal life, or other product types, you’ll need to look at other carriers.
Common Questions About Union Fidelity Life Insurance Co
Is Union Fidelity a legitimate company?
Yes, Union Fidelity is a legitimate, licensed life insurance company that has been operating for over 50 years. Their A- rating from A.M. Best confirms their financial stability and claims-paying ability.
Will they really pay claims?
Like any properly licensed insurance carrier, Union Fidelity is required to maintain reserves to pay claims. Their A.M. Best rating indicates they have the financial strength to meet their obligations to policyholders.
Can I get coverage if I have health problems?
Union Fidelity’s simplified underwriting makes coverage possible for many people with health conditions. However, they do still have some knockout questions that could result in a decline.
How quickly can I get coverage?
Most Union Fidelity applications can be processed and approved within a few days, with policies delivered within a week of approval.
When Union Fidelity Might Not Be the Best Choice
I always believe in being upfront with families about when a particular carrier might not be their best option:
If You’re Young and Healthy
If you’re under 50 and in good health, you can likely get much better rates through fully underwritten term or permanent life insurance with other carriers.
If You Need Large Amounts of Coverage
Union Fidelity’s maximum coverage amounts won’t work if you need $100,000+ in coverage to protect your family’s lifestyle and financial obligations.
If Price Is Your Only Concern
While Union Fidelity is competitively priced within the simplified issue market, if you qualify for traditional underwriting elsewhere, you’ll likely find better rates.
Working with an Independent Agent
Here’s why working with an independent agent like myself makes sense when considering Union Fidelity or any life insurance carrier:
Access to Multiple Carriers
I’m not tied to just Union Fidelity. I can compare their products and pricing against dozens of other carriers to find your best option.
Underwriting Expertise
I understand each carrier’s underwriting guidelines and can predict which companies are most likely to approve your specific situation at the best rates.
Ongoing Service
When you work with me, you have someone to call with questions about your policy, beneficiary changes, or claims assistance down the road.
Making the Right Choice for Your Family
Every family’s situation is unique, and what works for one person might not be the best choice for another. Union Fidelity Life Insurance Co can be an excellent choice for seniors seeking final expense coverage without the hassle of medical exams.
However, they’re just one option in a marketplace filled with carriers, each with their own strengths and specialties. The key is working with someone who can evaluate your specific needs, health situation, and budget to find the carrier and product that makes the most sense for your family.
Before making any decision, I always recommend getting quotes from multiple carriers. This gives you a clear picture of your options and ensures you’re making an informed choice based on actual rates and coverage terms rather than marketing materials.
The life insurance market can be overwhelming, but that’s exactly why I’m here. I’ll cut through the noise, compare your options across multiple carriers including Union Fidelity, and help you find coverage that makes sense for your situation.
Related Reading
- Funeral Insurance for Seniors: Your Complete Guide
- Understanding Final Expense Insurance
- Guaranteed Issue Final Expense Insurance: Your Complete Guide
- Burial Insurance for Seniors Over 80: Your Complete Guide
Ready to see your options? Contact me for a free quote and let’s find the right fit for your family’s needs and budget. Whether Union Fidelity ends up being the best choice or we find something better with another carrier, my job is to make sure you get the coverage you need at a price you can afford.
- Consider Union Fidelity if you’re over 50 with health issues, as they specialize in simplified issue life insurance that doesn’t require medical exams
- Verify their A- (Excellent) A.M. Best rating demonstrates solid financial stability for paying future claims to your beneficiaries
- Expect coverage amounts typically between $2,000 to $25,000, making them ideal for final expense and burial costs rather than large life insurance needs
- Work with independent agents since Union Fidelity doesn’t sell directly to consumers through online or TV advertising
- Focus on their 40+ years of experience serving the final expense market if you need straightforward coverage without complex underwriting
