Unity's Horizon policy consists of three endowment to 100 life plans to provide final expense coverage. These may include funeral expenses, outstanding bills such as medical or utility bills and loan balances such as mortgage, auto or credit cards. In fact, it can cover any expense that you might leave behind.

The Horizon plans guarantee that your premium will never increase, your face amount will never decrease, your policy will build cash value and any proceeds to your beneficiary will not be taxed.

Horizon is a simplified issue policy. There is no medical exam required. You apply by answering some yes/no health questions on the application and on a telephone interview with a Unity underwriter. Based on your answers, you will be offered the best possible plan for which you qualify.

There are three Horizon plans – Preferred, Standard and Special Value. This last plan has a unique feature where the face amount grows every year for the first 12 years until it is double the face amount at policy issue. In other words, a policy issued for $10,000 grows until, at the end of 12 years, it has a face amount of $20,000. This plan’s premium is level for life. Unlike some other small face amount products which may return your premium or pay part of the face amount for the first few years, the Horizon plans provide full face amount cover from day one.

Premiums can be paid annually, semi-annually, quarterly, by a monthly bill or by monthly bank draft from a checking or savings account.

The Horizon plans also offer additional benefits and riders (subject to state approval). An accidental death benefit (ADB) can be added for death by accidental means. The ADB, child term rider and a grandchild term rider are approved in most states where Horizon is approved.  The two children’s riders protect children with level term coverage that can be converted to a permanent plan at a future time without evidence of insurability. Eligibility for these riders can be reviewed with your insurance agent.

A 30-day free look period gives you time to decide, the opportunity to review the policy and return it for a full refund if it is not what you need.


Policy Form Numbers:
0601, 0602, 0603, 06-ADB, 06-CTR, 06-GTR

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