United American Insurance Company Review & Complaints: Life & Health Insurance (2024)

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Texas-based United American Insurance writes a variety of life insurance and supplemental health insurance products with a main focus on the senior market. They operate throughout the United States as well as in Canada.

What is the history of United American?

United American Insurance Company was founded in 1947 in Dallas, Texas by C.L. Dunlap, and immediately began to grow. The creation of Medicare in 1966 saw the company shift its focus onto the senior insurance market, which is where it remains to this day.

In 1982 United American was acquired by insurance and financial services holding company Torchmark Corporation. They have since moved operations to McKinney, Texas, where parent company Torchmark also has its headquarters.

Today United American is licensed in 40 states and the District of Columbia and operates in New York via a subsidiary, First United American Life Insurance Company. They are also licensed to operate in Canada. They offer life and supplemental health insurance policies for both groups and individuals.

United American products are sold through local independent agents.

What insurance products are offered?

United American writes life insurance and supplemental health products for individuals as well as group retiree health plan options. We have reviewed their Medicare Supplement plans separately, so this review will focus on other available products, about which there is an unfortunate lack of information.

Life Insurance

Although the company’s site describes both whole life insurance and term life insurance, the company only offers term life coverage. This is surprising given their focus on seniors as final expense life is a popular senior plan that is usually a whole life policy. (For more information, read our “Best Life Insurance Policies for Seniors“).

Death benefit amounts range from $25,000 to $500,000, but the site does not list term lengths or much other detail about the plans. Term life plans are renewable, but since the company does not appear to write whole life, they cannot be converted.

Accident Insurance

The site states that United American offers two different accident insurance plans, but there is no information on them. The site states only that they are guaranteed renewable and are portable, which is standard for an individual plan rather than a group plan.

Cancer and Critical Illness

Both cancer and critical illness lump sum insurance plans are available from United American.

The Cash Benefit Cancer Plan and HealthGuard critical illness plan both offer between $10,000 and $50,000 in coverage that is paid out upon diagnosis and can be used for any purpose. This includes paying medical bills, travel expenses, replacing lost income, and other costs.

Group Retiree Health

The company writes customizable group plans that provide supplemental health insurance coverage to retirees through the employer. These plans are designed to supplement Medicare and are selected by employers as part of a benefits package.

Coverage is available to a wide range of industries and can cover retirees as well as their spouses.

Are the company’s rates affordable?

There are no rates available online for the insurer. Quotes can be obtained by contacting a toll-free number to be put in touch with a local insurance agent.

This is pretty common for a company that focuses on basic life and supplemental health, although in this day and age we generally expect to at least see a quick online quote system for term life, a service many similar companies do offer.

United American Insurance Company Claims Process

Ease of Filing a Claim

United American Insurance Company offers a claims filing process primarily through traditional methods, as claims can be filed by mail only. While this approach may work for some policyholders, it may not be as convenient as online or mobile app-based claims submission, which many modern insurance companies offer.

Additionally, the company provides an outline of the required forms for each type of claim, but the absence of downloadable forms on their website may pose an inconvenience for policyholders.

Average Claim Processing Time

Unfortunately, there is no specific information available regarding the average claim processing time for United American Insurance Company. This lack of transparency can be a concern for policyholders who value prompt claim processing and payouts.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is an important factor to consider when evaluating an insurance company’s claims process. While United American Insurance Company has an A+ rating with the Better Business Bureau (BBB) and has been accredited since 1952, there are eight complaints on file in the past three years. Some common complaints relate to denied claims and slow claims service.

Many customers have expressed frustration with long hold times and difficulty reaching a representative. The overall one-star rating from Consumer Affairs, based on 97 reviews, raises concerns about the company’s customer service in the context of claim resolutions.

Digital and Technological Aspects of United American Insurance Company

Mobile App Features and Functionality

United American Insurance Company’s approach to mobile app features and functionality is not explicitly mentioned in the provided information. Many insurance companies offer mobile apps that allow policyholders to manage their policies, file claims, and access important information conveniently from their smartphones.

The absence of details about such features from United American may be a drawback for those seeking a more streamlined digital experience.

Online Account Management Capabilities

The extent of online account management capabilities offered by United American Insurance Company is not specified in the available content. Online account management typically includes features like policy management, premium payments, document access, and claims tracking.

Policyholders often value the convenience of online account management, so it’s essential to assess what capabilities are available.

Digital Tools and Resources

The information provided does not offer insight into any specific digital tools and resources offered by United American Insurance Company. Many insurance providers offer online resources such as educational materials, calculators, and FAQs to assist policyholders in understanding their coverage and making informed decisions.

Are the company’s ratings and consumer reviews positive?

Is United a good company? United American Insurance Company has an A+ rating with the Better Business Burea (BBB) and has been accredited since 1952. There is a total of eight complaints on file in the past three years. No reviews have been left on the page.

There are 97 reviews of this company on Consumer Affairs, with an overall one-star rating out of the 33 reviewers that left a star rating. Most of the complaints are in regards to denied claims or slow claims service. Many of the reviewers comment on long hold times and difficulty getting a representative on the phone.

While the number of complaints is not particularly high for a company of this size, the repeated common content does raise some concerns about customer service.

What’s the bottom line?

The company offers little policy information and no rate information, making it difficult to review their offerings effectively. There does appear to be some concern in regards to how the company is handling claims, although there are no major red flags. With a lot of options out there for this type of policy, insurance customers may want to look to a company with more transparency and a more modern approach.