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UNITED HERITAGE LIFE INSURANCE COMPANY PRODUCER COMPENSATION DISCLOSURE

United Heritage Life Insurance Company (the Company) primarily sells its insurance products and services through a network of independent insurance agents ("producers"). Producers are not our employees; however, we do compensate them for placing insurance with us. The following is a brief overview of the types of compensation we pay our producers. Additional information also may be available from your producer.


Producer Compensation

We design our compensation system to encourage producers to sell our products, to assist us in evaluating risks and servicing accounts, and to retain profitable business with us. Our compensation programs fall into two basic categories: 1) commission and 2) additional incentives. Producers may receive one or both of these forms of payment, depending on the producer's business relationship with us.


Commission

We pay our producers a base commission for each insurance policy they sell. This commission is paid on new and renewal policies. This commission is a percentage of the premium charged to the insured for the policy. The amount of the commission depends on many factors and may vary by producer, product, state or other factors.

Certain producers may also and/or in the alternative receive an "override" commission on policies sold by other agents within their area or designated region. This override commission is also based upon the percentage of the premium charged to the insured for the policy, and is also paid on new and renewal policies. The amount of the override commission depends on many factors and may vary by producer, product, state or other factors.


Additional Incentives

At times we will provide producers the opportunity to receive additional compensation for placing polices with us, helping us pursue new business opportunities with their clients, or performing other tasks. Additional incentives may take the form of a sales contest where cash, non-cash awards, trips or other prizes are awarded and may take the form of additional commission. These incentives are designed to promote the placement of business with us.


Other Benefits

We may provide certain Producers with other benefits, including, but not limited to, entertainment, tickets to sporting events, travel, gifts, branded merchandise, and attendance at corporate-sponsored meetings, including transportation, accommodations, and meals.


Other Important Information

This overview provides information about how the Company currently compensates its producers. If you would like additional information about a commission paid on your policy, please contact your producer. Also, please check this website periodically for updated information on this subject.



If you have any questions, please contact our Home Office:

United Heritage
P.O. Box 7777
Meridian, Idaho 83680-7777
Toll-Free 1-800-657-6351
email: heritage@unitedheritage.com