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Joseph Testa

Joseph Testa III - United Home Life Insurance Company

Joe Testa

Providing affordable easy issue term life, whole life, and accidental death benefit insurance with no medical exam or blood work required. All plans are easy to apply for and provide secure coverage with faster results.

Purchase an Accidental death Benefit Coverage, and receive 100% cash back guaranteed! The Return of Premium Rider guarantees a return of all premiums paid at the end of a 20 year policy term. Purchase a Express Issue Term life Insurance policy of $100,000 facw amount or more and receive a free $5000 Child Rider.

Contact me to discuss our plans and how they can help secure your future.

Fill in the form below for more information about our products and to learn about the free riders on many of our policies for Bloomees members:

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Note: By submitting this form to contact Mr. Testa you are authorizing Bloomees to send Mr. Testa your name and email address so he can contact you regarding this query. If you have any queries or concerns, do not hesitate to contact us.

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Not a member? You are missing out on discounts and other perks at neighborhood businesses nationwide. Membership is free. You can sign up online or select a neighborhood merchant close to you and get a free card there. Cards are good at all stores nationwide who are part of the Bloomees family as well as online for cash back from over 500 merchants.
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Accidental Death Benefit with Return of Premium

  • Affordable accidental death protection that doubles in 20 years.
  • Guaranteed level premiums over 20 year period.
  • Provides a return of 20 annual premiums in year 20.
  • Guaranteed issue if you have a good driving record.
  • Available in 3 amount: $50,000 : $75,000 : $100,000
  • Return in year 20 of $4,900
  • Bloomees members: A free Return of Premium Rider on all Accidental Death Benefit Policies

Express Issue Term Life Insurance

  • NO MEDICAL EXAM - NO BLOOD TESTS - NO MINIMUM FACE AMOUNT
  • Just 4 medical questions.
  • Competitive rates - guaranteed for 20 and 30 years.
  • Built in terminal illness benefit - if approved in your State.
  • Free $5000 Child Rider coverage for $100,000 face amount.>
  • Up to $200,000 with no medical exam or blood test required.
  • Great coverage for Mortgage Protection ( with no mortgage certification required).

Express Issue Whole Life

  • Virtually Guaranteed Issue coverage with (even with health issues)
  • low $2000 minimum face amount to cover burial expenses.
  • Guaranteed Cash Values.
  • 10% Preferred Rate Discount for healthy clients ages 18-80(minimum face amount $10,000)
  • Free Inherent Benefits Rider loaded with extra benefits Minimum face amount $25,000) list benefits here.
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