United National Life Insurance Review & Complaints (2025)

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Founded in 1961, United National Life Insurance Company of America writes a line of medical supplement plans as well as a few life insurance products. They serve 25 states with plans for future expansion across the country.

Our review on United National Life will cover everything you need to know about their insurance policies and whether they’d be a good insurer for you.

If you need to compare rates from a wide range of insurance companies, we have a free comparison tool that will let you compare quotes from different companies.

About United National Life Insurance

United National Life Insurance Company of America has been in business since 1961, with headquarters in Glenview, Illinois. They operate as a privately owned insurance company, selling their products in 25 states through independent insurance agents.

United National writes health supplement policies that are focused on specific types of out of pocket costs. They also offer basic life insurance options. While various sources list them as a Medicare Supplement provider, they do not list these products on the website.

The company’s website doesn’t offer a lot of detail in regards to their history or operations, and limited information on their products.

United National Life Insurance Products

United National has a focused set of supplemental health insurance products as well as two life insurance choices.

Supplemental Health

Known as their Shield Series, United National lists four supplemental health plan options on their website.

Cancer Shield is a plan that offers several benefits, including lump sum payment (if selected as a rider) as well as benefits for cancer treatments as needed. This plan also has the option to add several other riders, including a heart attack and stroke rider and a dental and vision add-on.

Dental & Vision Shield is United National’s dental and vision plan. It pays 80% of covered services after the $100 deductible is met, up to an annual maximum. This plan can be added on to either the Cancer Shield as noted above or the Home Health Care Shield.

Home Health Care Shield is a supplemental plan that pays the out of pocket costs of short-term care at home. The plan can be customized to several benefit levels and can also include a number of different riders. These include ambulance coverage, critical illness benefits, and hospitalization.

The last of the Shield products is Hospital Indemnity. This plan offers options of between $100 and $600 a day, with benefit periods of 3 to 10 days for out of pocket hospital costs. An ambulance rider and skilled nursing rider can be added to this plan.

Life Insurance

United National writes only whole life insurance. There are two options to choose from.

Family whole life offers coverage amounts of up to $125,000. The plan includes an accelerated death benefit, and rider options include a term to age 60 rider, children’s insurance rider, and waiver of premium.

Provider whole life has lower benefit amounts, offering a range between $10,000 and $25,000. It offers similar rider options, and little information is given regarding the difference between these two policies other than the maximum benefit amount. This policy, however, based on benefit amounts appears to be a final expense plan.

United National Life Insurance Company Rates

Unfortunately, the United National website does not provide information regarding their rates, nor is there an option to receive a quote. Quotes can be obtained by calling directly or by contacting a local agent.

This is fairly standard for a company offering this type of insurance, although we do like to at least see sample rates for life insurance. As a result of the lack of rates, we are unable to compare this company in terms of value.

An Overview of the United National Life Insurance Claims Procedures

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

United National Life Insurance Company offers a claims filing process that can be done over the phone. Unfortunately, they do not offer an online claims filing option, and there is no mention of a mobile app for claims submission.

Average Claim Processing Time

The average claim processing time for United National Life Insurance Company is not provided in the provided content. Customers interested in this information should contact the company directly for specific details regarding claim processing times.

Customer Feedback on Claim Resolutions and Payouts

The content does not provide specific customer feedback on claim resolutions and payouts for United National Life Insurance Company. To assess customer satisfaction in this regard, potential policyholders are encouraged to seek out reviews and testimonials from existing customers or contact the company directly for relevant information.

United National Life: Pioneering Insurance Tech Advancements

Mobile App Features and Functionality

The content does not mention the availability of a mobile app for United National Life Insurance Company. As such, there is no information provided about the features and functionality of such an app.

Online Account Management Capabilities

The content does not provide details about the online account management capabilities of United National Life Insurance Company. Customers interested in managing their policies online should inquire directly with the company for information on available online services.

Digital Tools and Resources

The content does not mention specific digital tools and resources offered by United National Life Insurance Company. To learn more about any digital tools or resources provided by the company, individuals should visit the company’s website or contact their customer service department for relevant information.

United National Life Insurance Company: The Bottom Line

United National provides limited information on its website, an indication that they rely on agents to sell their products and do not necessarily cater to the online shopping audience. Unfortunately, that makes it very difficult to gather enough information to provide a recommendation for this company.

When assessing a company to figure out their financial stability and whether or not they offer friendly service, it’s common for potential customers to want information readily available online. However, should you be looking for affordable insurance and think that the United National Life company will be right for you, reach out to an agent with your questions.

Don’t forget about our comparison tool, which will help you to compare quotes from various companies as well.