United National Life

United National Life

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United National Life (UNL) offers a Schedule of Benefits Cancer Shield line that offers 4 plans: Plan A, B, C, and D. Plan A offers the least coverage, while D offers the most.

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Cancer Plan Details

  • Waiting period: 30 days
  • Plan type: Schedule of benefits
  • Issue ages: 18-79
  • Guaranteed renewable
  • Covers internal cancers and malignant melanoma
  • Does not cover other skin cancers
  • Eligibility requirement: No cancer in the past 10 years

Optional Riders

  1. Heart Attack or Stroke: This option will pay a scheduled benefit for heart attack or stroke. Your benefits for this option depend upon which cancer plan you choose.
  2. Express Pay - Lump Sum: This option pays a lump sum benefit of $1,000 to $20,000 upon first diagnosis of cancer. If you select both the Heart Attack & Stroke option and the Lump Sum rider, a lump sum benefit will be paid upon diagnosis of cancer, heart attack or stroke.
  3. Return of Premium: Under this option, UNL will return 100% of all premiums, less any benefits paid, upon death or upon cancellation after the rider has been in force 20 years for issue ages 18-60 and 15 years at issue ages 61-79.

State Availability

UNL's Cancer Shield is available in Alabama, Arizona, Arkansas, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, and West Virginia.

Sample Rates

Pulled in July 2019

New to Cancer Insurance?

Read The Ultimate Guide to Selling Cancer Insurance to Seniors, and you'll not only get full explanations for all the stats on this handout, but you'll learn how to bring up the conversation, what company you should sell, and everything in between.

You may also like the "Why Is Cancer Insurance Important?" Client Handout.