U.S. Financial Life, believes that every person who applies for life insurance is unique.

We've revolutionized life insurance with our innovative underwriting approach known industry-wide as Clinical Underwriting®. This approach enables our underwriters to carefully evaluate you as an individual by reviewing your health history. If you're following doctor's orders to control your health condition (s) and have a good family medical history, you will likely benefit from our individualized Clinical Underwriting® process. By consulting internationally recognized medical specialists and reviewing the latest medical findings pertaining to your health history, we can often accept applicants who are rejected or offered more expensive coverage by other companies.

Even if you smoke cigarettes (or use other nicotine products) on an occasional basis, you could benefit from Clinical Underwriting®. By evaluating your individual history more thoroughly, we're able to hone in on your nicotine use and assess your risk accordingly.

Recognized Results

As a recognized industry leader, we hold the same industry rating "A Excellent" as our parent company, The MONY Group, for the current rating year 2002. Our "A Excellent" rating comes from A.M. Best--the nation's oldest and most recognized insurance rating organization. After reviewing our financial statements, A.M. Best reports that "U.S. Financial Life is fiscally responsible and its management practices are sound and conservative."

Building on a Great Foundation

U.S. Financial Life is a wholly-owned subsidiary of The MONY Group, a 157-year old company with more than $24 billion in assets and more than $86 billion of insurance in-force. Along with our prestigious MONY affiliation, the USFL culture is grounded in the highest ethical standards, and throughout our history we have been recognized for integrity in dealing with customers and prospective customers.

The Story Behind Our Commitment

U.S. Financial Life began in 1974 in Michigan as Associated General Life Company. In 1984, we changed our name to Amerisure Life Insurance Company. Six years later, we became U.S. Financial Life Insurance Company and moved our headquarters to our current location in Cincinnati, Ohio.

Our dedication to those individuals with health-histories, our strong support of the more than 250 General Agents who write and sell our life insurance policies and our concern for the welfare and growth of our own employees have helped us build our company. Since 1990, USFL has grown from eight employees to more than 150, and sales have grown 1300%. Just as we continually update medical information to keep current on breakthroughs and innovations that are key to Clinical Underwriting®, we continue to improve ourselves. USFL has established a strong and unwavering foundation in the life insurance marketplace. On that foundation, we are building the life insurance company of the future.

  Tell what each Rating means

Developed in 1990, the Clinical Underwriting® process uses the most current medical research to evaluate applicants individually, focusing on the elements that truly affect a person's longevity, such as lifestyle, family and medical history and compliance with doctors' orders.

This unique method of underwriting allows U.S. Financial Life to offer applicants who have been rated or declined by other insurance companies some of the best rates in the industry.

There are four key factors that are the basis of Clinical Underwriting:

Control – Is the health impairment controllable?

Compliance – Is the applicant following doctors' orders and making lifestyle adjustments?

Family History – What is the applicant's family health history?

Complete Medical Information – Does the applicant take advantage of good medical care and does USFL have all pertinent information?

Nicotine Use

Clinical Underwriting also features a revolutionary approach to occasional cigarette smokers. Common sense dictates that a person who smokes occasionally is at far less risk than a person who smokes heavily. Clinical Underwriting recognizes those differences and evaluates each individual accordingly.

Medical Breakthroughs

Medical breakthroughs occur daily, yet current life insurance practices employed by many insurance companies ignore these advances. Other insurance companies may deny applicants coverage based on medical information from an outdated underwriting manual. U.S. Financial Life is continuously reviewing the most recent medical literature. This state of the art research is then utilized to provide a more informed and accurate offer.

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