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.