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Preferred Risk Term and UL

U.S. Financial Life was founded on the concept of a common-sense approach to underwriting. Today, skyrocketing sales has made us one of the fastest growing life insurance companies in the industry.

U.S. Financial Life Insurance is a member of the AXA Financial, Inc. family in 2004. U.S. Financial Life received a financial strength industry rating of A+ (Superior) from A.M. Best, the nation's oldest and most recognized insurance rating organization.  U.S. Financial Life has established a strong and unwavering foundation in the life insurance marketplace.

Why should you write life cases with U.S. Financial?

• Great rates for substandard cases

• Cigar smokers, smokeless tobacco users, and occasional cigarette smokers can qualify for preferred non-tobacco rates

• Minimum face amount for their UL policy is $25,000

• UL premium and face amount guaranteed to age 100

• Only 1 in 4 cases requires a paramedical exam

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