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Final Expense Products



Protector Whole Life


Protector Whole Life (PWL) is a non-participating whole life policy with a level death benefit. Level premiums are payable until death or age 121, whichever is first. The PWL is a simplified issue plan. This means there are no medical exams or tests. A competitive quick, issue whole life: you finally found it!

Issue ages: 0-85 (based on last birthday)
Minimum Face - $1,000
Maximum Face - $35,000 through ages 65 - $25,000 ages 66-85

Available Riders:

  • Accidental Death Benefit: Is available with the PWL (ages 25-85) in states where approved.
  • Children's Term Rider: is available with PWL at the time of application only; children must be 15 days of age but less than 21 years of age.







Protector Graded Benefit


Protector Graded Benefit (PGB) is a non-participating whole life policy where the death benefit is graded for the first two years. The death benefit in year one is 30% of the face amount or return of premium due and paid plus 5% simple interest, whichever is higher; in year two, 70% of the face amount or return of premium due and paid plus 5% simple interest, whichever is higher; 100% of the face amount in year three and after. During the first two years, the death benefit is 100% of the face amount in the event of an accidental death (except South Dakota). Level premiums are payable until death or age 121, whichever comes first. The PGB is a simplified issue plan. This means there are no medical exams or tests.

Issue ages (based on last birthday): 40-85
Minimum Face - $1,000
Maximum Face - $25,000



Protector Modified Benefit


Protector Modified Benefit (PMB) is a non-participating whole life policy where the death benefit is modified for the first two years. The death benefit during the first two years is return of premium due and paid plus 5% simple interest; 100% of the face amount in year three and after. During the first two years, the death benefit is 100% of the face amount in the event of an accidental death (except South Dakota). Level premiums are payable until death or age 121, whichever comes first. The PMB is a simplified issue plan. This means there are no medical exams or test.

Issue ages (based on last birthday): 40-85
Minimum Face - $1,000
Maximum Face - $15,000






If you would like information about the Final Expense products, or any of the products that United Heritage offers, contact us or locate an agent in your area.