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Unity Financial Life Insurance

Unity Financial Life Insurance Company has been serving families for over 50 years.  Founded in 1964, Unity Financial Life (UFL) has been a family owned and operated business since 2001.  UFL is licensed to underwrite life insurance in 47 states plus the District of Columbia.  Our Home Office is in Cincinnati, OH, and the Ohio Department of Insurance is our primary regulator.

UFL specializes in underwriting small face, guaranteed issue life insurance policies that are typically assigned to funeral homes or to an irrevocable funeral trust.  Proceeds from our policies pay funeral expenses directly to funeral homes, cemeteries or family members who have incurred funeral expenses.

UFL proudly assists families and funeral directors in prearranging and prefunding funerals.  We contribute each year to the Funeral Service Foundation. The Funeral Service Foundation funds projects and programs that support the funeral service industry in building meaningful relationships in the community. We encourage anyone to review the work that they do each year: Funeral Service Foundation.

UFL has been recognized as the fastest growing privately held life insurance company in the country by Inc. Magazine in 2008, 2009, 2010, 2011, 2012 and 2013.  The assets of the company have grown every year since it was purchased by the Hardy family of Cincinnati, OH at the end of 2001.  Three generations of the Hardy family have worked or continue to work in the Home Office as the company has grown over the years.

The tagline for Unity Financial Life Insurance Company is Simple Solutions, Demonstrated Strength, Exceptional Value.  We maintain a suite of very simple products that serve their purpose well.  The company has some of the strongest balance sheet ratios among all life insurance companies and 100% of our invested assets are in investment grade bonds. UFL provides an exceptional economic value by offering a rewarding mix of policy growth and affordable premiums.

Recent News

  • May 06, 2019


    Cincinnati, Ohio – May 2, 2019 A.M. Best Rating Services has affirmed its B++ (Secure) financial

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  • Mar 01, 2019

    2018 Brings Record Financial Results and New Initiatives to Unity Financial

    Cincinnati, OH. – April 15, 2019 - Unity Financial Life Insurance Company (UFL), Cincinnati, OH, r

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  • Jul 10, 2018

    Launch of Spanish Language Policies in Texas Celebrated

    Cincinnati, OH - July 6, 2018 - Unity Financial Life Insurance Company (Unity), headquartered in Cin

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