Looking into Union Fidelity Life Insurance Company? I get this question fairly often from families shopping for final expense coverage. While the name sounds familiar and trustworthy, there’s something important you should know upfront: Union Fidelity Life Insurance Company isn’t actually an active insurance carrier in today’s market.
For a complete overview, see our complete guide to final expense insurance.
Let me walk you through what I’ve learned about this company and, more importantly, help you understand your actual options for final expense life insurance coverage.
The Reality About Union Fidelity Life Insurance Company
In my years helping families with life insurance, I’ve seen how confusing the insurance landscape can be. Names get mixed up, old companies get acquired, and sometimes people remember hearing about carriers that aren’t currently writing new business.
When it comes to Union Fidelity Life Insurance Company specifically, here’s what I can tell you: there isn’t a major life insurance carrier operating under this exact name in the current market. This doesn’t mean you’re crazy for looking into them—insurance company names can be remarkably similar, and it’s easy to get them confused.
What likely happened is one of these scenarios:
- You may be thinking of a different insurance company with a similar name
- The company may have been acquired or merged with another carrier
- You might have seen marketing materials that weren’t entirely clear about the actual underwriting company
Companies You Might Actually Be Looking For
Based on my experience, when people ask about “Union Fidelity,” they’re often actually interested in one of these legitimate carriers:
Union National Life Insurance Company
This is a real carrier that offers final expense and whole life insurance products. They’re based in Louisiana and have been writing coverage for decades.
Fidelity Security Life Insurance Company
Another established carrier in the final expense market, based in Missouri. They offer simplified issue whole life policies designed for final expenses.
United Fidelity Life Insurance Company
A smaller carrier that has operated in certain states, though their market presence has been limited in recent years.
What This Means for Your Final Expense Coverage
Here’s the thing about final expense insurance—the specific company name matters less than finding the right coverage for your situation and budget. When I work with families, I don’t focus on getting them hung up on one particular carrier name. Instead, I help them understand what makes a good final expense policy and then shop multiple companies to find the best fit.
Key Features to Look for in Final Expense Insurance
Regardless of which company you ultimately choose, here are the essential features I recommend looking for:
Guaranteed Acceptance or Simplified Issue
Most final expense policies offer either guaranteed acceptance (no health questions) or simplified issue (just a few basic health questions). This makes them accessible even if you have health conditions that might disqualify you from traditional life insurance.
Whole Life Coverage
Final expense policies are typically permanent whole life insurance, meaning the coverage lasts your entire lifetime as long as premiums are paid. This gives your family certainty that the death benefit will be there when needed.
Level Premiums
Your monthly premium should stay the same for life. This protects you from rate increases as you age, which is especially important on a fixed income.
Immediate vs. Graded Benefits
Some policies pay the full death benefit immediately, while others have a waiting period (usually 2-3 years) where only premiums plus interest are returned if death occurs from natural causes. Understanding this distinction is crucial.
How I Help Families Navigate These Choices
When someone comes to me asking about a specific company like Union Fidelity Life Insurance Company, I first clarify what they’re actually looking for. Are they focused on:
- The lowest possible premium?
- Immediate coverage with no waiting period?
- The highest death benefit for their budget?
- A company with specific financial ratings?
Once I understand their priorities, I can shop multiple carriers that actually write coverage in their state and find options that meet their needs.
The Advantage of Working with an Independent Agent
This situation perfectly illustrates why working with an independent insurance agent makes sense. Instead of being tied to one company’s products, I can:
- Clarify any confusion about company names
- Show you legitimate options from multiple carriers
- Compare coverage features side by side
- Help you understand the fine print before you buy
I’ve seen too many families get locked into policies that weren’t the best fit simply because they contacted a captive agent who could only offer one company’s products.
Red Flags to Watch Out For
While we’re talking about company names and shopping for coverage, let me share some red flags I’ve encountered in the final expense market:
High-Pressure Sales Tactics
If someone is pushing you to “sign today” or claiming their offer is only good for a limited time, that’s a red flag. Legitimate final expense coverage doesn’t require rushed decisions.
Unclear Company Information
If you can’t easily verify the insurance company’s financial ratings, complaints record, or licensing status in your state, be cautious.
Promises That Sound Too Good to Be True
If someone claims you can get $50,000 of immediate coverage for $20 per month with no health questions, run the numbers. It probably doesn’t add up.
Understanding Final Expense Insurance Costs
Since you’re shopping for coverage, let me give you realistic expectations about final expense insurance costs. These policies are designed for older adults and those with health conditions, so they’re priced accordingly.
For a typical 65-year-old in average health looking for $10,000 in final expense coverage, you might expect to pay anywhere from $30 to $80 per month, depending on:
- Your exact age and gender
- Your health status
- Whether you want immediate or graded benefits
- The specific insurance company
Remember, final expense insurance is more expensive per dollar of coverage than traditional term or whole life insurance because it’s designed to be accessible to people who might not qualify for other coverage.
Questions to Ask Before Buying Any Final Expense Policy
Whether you end up with Union National, Fidelity Security Life, or any other carrier, make sure you get clear answers to these questions:
- What is the exact death benefit, and when does full coverage begin?
- Are there any exclusions I should know about?
- What happens if I miss a premium payment?
- Can I increase my coverage later without new underwriting?
- What are the company’s financial strength ratings?
Alternative Coverage Options to Consider
If you’re having trouble finding the right final expense policy, consider these alternatives:
Guaranteed Universal Life Insurance
Some carriers offer small guaranteed universal life policies that can serve the same purpose as final expense insurance but may offer better value.
Group Life Insurance Through Organizations
Organizations like AARP sometimes offer group life insurance that might be more affordable than individual final expense policies.
Burial Insurance Through Funeral Homes
Some funeral homes offer pre-need insurance, though you’ll want to compare this carefully against traditional final expense coverage.
Making the Right Choice for Your Family
At the end of the day, the specific company name is less important than finding coverage that:
- Fits your budget comfortably
- Provides the death benefit your family needs
- Comes from a financially stable company
- Has terms you fully understand
Whether you were originally looking for Union Fidelity Life Insurance Company or just exploring your final expense options, my goal is to help you cut through the confusion and find real solutions.
The final expense insurance market can be overwhelming, with dozens of companies offering similar-sounding products. That’s exactly why I’m here—to help families like yours navigate these choices and find coverage that actually makes sense.
Related Reading
- Burial Insurance for Seniors Over 70: Your Complete Guide
- Funeral Insurance for Seniors: Your Complete Guide
- Graded Benefit Whole Life Insurance: Your Complete Guide
- Affordable Final Expense Insurance: Your Complete Guide
Ready to see your actual options? Contact me for a free quote and I’ll show you what’s available from legitimate carriers in your state. No confusion, no pressure—just honest guidance to help you protect your family’s financial future.
- Union Fidelity Life Insurance Company is not an active insurance carrier in today’s market, so you’re likely thinking of a similarly-named company like Union National Life or Fidelity Security Life.
- Compare multiple legitimate insurers before choosing any final expense policy to ensure you get the best coverage features and rates for your specific situation and budget.
- Look for key features in final expense insurance including guaranteed acceptance or simplified issue underwriting, whole life coverage that lasts your lifetime, and level premiums that stay the same.
- Focus on finding the right coverage rather than getting hung up on one particular company name, as the specific carrier matters less than securing appropriate final expense protection.
- Bring any existing quotes you’ve received to an independent agent for review to help you evaluate your options and make an informed decision about your coverage.
