Replacement Policies and Guidelines

This guide is intended to help you, the independent agent, comply with replacement regulations in general, and to assist you in making appropriate replacement recommendations. As you know, any replacement recommendation should be in the client’s best interest.

In developing this guide, United Home Life Insurance Company has established procedures and guidelines that do more than just meet the requirements of any one state. Because each state has its own regulations and requirements, and they may change from time to time, you are expected to know and follow our policies and guidelines, as well as replacement regulations in all states where you do business.