Cincinnati Home Office: 877-523-3231   |   Agent Secure Site

Our Story

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 proudly assists families, funeral directors, and Estate Planners by providing life insurance and annuities that can be used to prefund funerals or assist in Medicaid eligibility. UFL is licensed to do business in 48 states plus the District of Columbia.  Our Home Office is in Cincinnati, OH, and our primary regulator is the  Ohio Department of Insurance.

UFL has three business lines; all designed to provide consumers with products that are considered “exempt” assets in the Medicaid application process; traditional pre-need insurance used to fund funerals, single premium whole life policies assigned to an Irrevocable Funeral Trust, and Single Premium Immediate Annuities used to expedite Medicaid eligibility.

UFL’s assets and surplus 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 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.

Unity Financial strives to be a good corporate citizen. 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, check out their website at Funeral Service Foundation.

Recent News

  • Dec 31, 2020


    Cincinnati, Ohio – December 31, 2020 - Unity Financial Life Insurance Company, Ci

    Read More

  • Dec 17, 2020

    Ryan Walsman Named Vice President of Marketing

    Cincinnati, OH. – December 17, 2020 - It was announced that Mr. Ryan M. Walsman o

    Read More

  • Jun 19, 2020


    Cincinnati, OH – June 19, 2020 - Zoo’s across the world rely on ticket sales, z

    Read More