Life Insurance

Available in the United States


Life Guard 1

Life Guard 1 is a decreasing term life insurance benefit designed with you in mind. Economical in cost, but high in value, the plan gives you financial security in your early wage-earning years. The plan provides your survivors with income protection at the time of your death.

Life Guard 1 Benefits

  • 18-35 — $30,000
  • 36-40 — $20,000
  • 41-45 — $11,000
  • 46-50 — $7,500
  • 51-55 — $4,000
  • 56-60 — $3,000
  • 61-65 — $2,250
  • 66-69 — $1,500
  • 70 — $0

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of the page.


Single Premium Whole Life Insurance Plan

You can make a significant impact on the amount you pass on to your loved ones by reallocating a portion of your assets into our Single Premium Whole Life Insurance Plan. The plan is ideal whether you’re a parent, single adult, or senior. It provides your beneficiaries with an inheritance that’s not subject to federal income taxes, and ensures they’ll receive a guaranteed death benefit.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of the page.


Term Life Insurance

UCT’s Term Life Insurance provides affordable, guaranteed death benefit protection for as long as you need it – with premiums guaranteed to remain level for the length of the term. You can apply for up to $250,000 total coverage according to your needs – and higher amounts are available in some cases. You also have the flexibility to select only the term coverage period that’s best for you.

Our term life product also includes an automatic one-time accelerated death benefit rider that pays 25 percent of the death benefit if you’re diagnosed with a terminal illness by a qualified physician. You can further customize your coverage by choosing from one of our plan’s optional riders.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of the page.


Final Expense Insurance Plan

The costs of settling an estate can often be overwhelming. The Final Expense Life Insurance Plan is specially designed to help ensure that your family has the money they need to cover final debts. It offers a level death benefit with fixed premiums and uses a simplified application process. Coverage ranges from $3,000 to $25,000 of benefit. For non-tobacco users only.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of the page.

 

Available in Canada


Whole Life Insurance

Lifetime Protection+ and Life Building Blocks are two new level whole life insurance products available only in Canada. To learn more about these new products, click here.


Life Guard 1

Life Guard 1 is a decreasing term life insurance benefit designed with you in mind. Economical in cost, but high in value, the plan gives you financial security in your early wage-earning years. The plan provides your survivors with income protection at the time of your death.

Life Guard 1 Benefits

  • 18-35 — $30,000
  • 36-40 — $20,000
  • 41-45 — $11,000
  • 46-50 — $7,500
  • 51-55 — $4,000
  • 56-60 — $3,000
  • 61-65 — $2,250
  • 66-69 — $1,500
  • 70 — $0

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of the page.


Final Expense Insurance Plan

The costs of settling an estate can often be overwhelming. The Final Expense Life Insurance Plan is specially designed to help ensure that your family has the money they need to cover final debts. It offers a level death benefit with fixed premiums and uses a simplified application process. Coverage ranges from $3,000 to $25,000 of benefit. For non-tobacco users only.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of the page.


Term Life Insurance

UCT’s Term Life Insurance provides affordable, guaranteed death benefit protection for as long as you need it – with premiums guaranteed to remain level for the length of the term. You can apply for up to $250,000 total coverage according to your needs – and higher amounts are available in some cases. You also have the flexibility to select only the term coverage period that’s best for you.

Our term life product also includes an automatic one-time accelerated death benefit rider that pays 25 percent of the death benefit if you’re diagnosed with a terminal illness by a qualified physician. You can further customize your coverage by choosing from one of our plan’s optional riders.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of the page.

 
 


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An Agent

To find an agent near you, contact UCT at 800-848-0123 or email agentservices@uct.org

Product

Availability