United American Insurance Review & Ratings (2024)
Discover a comprehensive United American Insurance review and ratings that covers coverage options, customer service, and financial stability. Make informed insurance decisions with unbiased insights.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Dec 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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United American Insurance
Average monthly rate for good drivers:
N/AA.M. Best rating:
A+Complaint level:
LowPros
- Specialized expertise in health and life insurance
- Regional focus for personalized service
- Commitment to innovation and digital accessibility
Cons
- Limited scope compared to competitors offering a broader range of coverage
- Potentially less recognizable on a national scale
- May not cater to those seeking a comprehensive, one-stop-shop for diverse insurance types
- Limited global market presence
Final Verdict: Review of United American Insurance
What You Should Know About United American Insurance
Welcome to our comprehensive United American Insurance Review & Ratings article, where we delve into the key aspects of this renowned insurance company. In this review, we will discuss United American Insurance’s coverage options, customer service, financial stability, and overall reputation.
We will analyze their policy offerings, including life, health, and supplemental insurance, and provide insights into their claims process and customer satisfaction.
Whether you’re a current policyholder considering a renewal or a prospective customer seeking reliable insurance coverage, this review will equip you with valuable information to make an informed decision. Ready to find the best insurance rates? Enter your zip code below and compare quotes from top providers in your area.
United American Insurance: A Trusted Legacy Since 1947
Established in 1947, United American Insurance has carved a distinguished legacy in the insurance industry, boasting a robust foundation spanning over seven decades. Headquartered in McKinney, Texas, the company has consistently delivered health and life insurance solutions to individuals and families across the United States.
United American Insurance’s commitment to excellence is underscored by its A- (Excellent) rating from A.M. Best and an A+ rating from the Better Business Bureau, reflecting a long-standing reputation for financial stability and customer satisfaction.
With a rich history rooted in providing quality coverage, the company continues to evolve, leveraging innovation and digital tools to enhance the overall insurance experience for its valued policyholders.
United American Insurance Coverage Options
United American Insurance stands as a beacon of comprehensive coverage, offering a diverse range of insurance products tailored to meet the unique needs of individuals and families. Specializing in health and life insurance since its inception in 1947, the company provides robust solutions to safeguard your well-being.
- Medicare Supplement Insurance: Elevate your healthcare protection with United American Insurance’s Medicare Supplement plans. Designed to fill the gaps left by Original Medicare, these policies ensure you have the coverage you need for deductibles, copayments, and coinsurance.
- Life Insurance: Explore the versatility of life insurance options, including both term and whole life policies. Whether you seek coverage for a specific period or a lifetime, United American Insurance has you covered.
- Supplemental Health Insurance: Enhance your primary health insurance with supplemental coverage that tackles expenses not addressed by your standard plan. From deductibles to copayments, this insurance ensures comprehensive protection for your medical needs.
United American Insurance’s commitment to delivering tailored coverage extends beyond the conventional, providing a holistic approach to safeguarding your health and securing your financial future.
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United American Insurance Rates Breakdown
United American Insurance Discounts Available
United American Insurance goes beyond providing essential coverage by offering a range of discounts to help you maximize savings. These discounts reward responsible behavior and specific circumstances, ensuring that policyholders can access affordable insurance solutions.
Available Discounts:
- Multi-Policy Discount: Bundle your insurance policies with United American Insurance to enjoy a cost-saving multi-policy discount. Consolidating your coverage under one provider can lead to significant savings.
- Good Health Discount: Maintain a healthy lifestyle and enjoy the benefits of a good health discount. Demonstrating a commitment to well-being may result in reduced insurance premiums.
- Safe Driver Discount: For auto insurance policies, safe driving habits are rewarded with a safe driver discount. By practicing caution on the road, you not only enhance safety but also unlock potential savings.
- Claims-Free Discount: United American Insurance acknowledges and rewards policyholders for maintaining a claims-free record. A history without claims can contribute to lower premiums.
- Annual Payment Discount: Opt for annual premium payments to take advantage of an annual payment discount. This incentive encourages policyholders to streamline their payments and enjoy additional savings.
- Renewal Discount: Loyalty is recognized and rewarded at United American Insurance. Policyholders who choose to renew their coverage may be eligible for a renewal discount, fostering long-term relationships.
- Good Student Discount: Families with students excelling academically can benefit from a good student discount. This incentive encourages and acknowledges the commitment to education.
- Safety Features Discount (Auto Insurance): Equipping your vehicle with safety features can lead to reduced auto insurance premiums. Features such as anti-lock brakes and airbags contribute to a safer driving experience.
- Paperless Billing Discount: Embrace a greener approach to insurance management by opting for paperless billing. United American Insurance offers a discount to policyholders who choose electronic billing methods.
How United American Insurance Ranks Among Providers
Operating in a dynamic insurance landscape, United American Insurance faces competition from various industry players. Here’s a comparative overview of how the company stacks up against key competitors:
UnitedHealth Group: Healthcare giant with an extensive network and diversified offerings, positioning itself as a market leader. In contrast, while not as expansive, United American Insurance specializes in health and life insurance, providing a focused approach to these specific coverage areas.
State Farm: Well-established insurance provider, offers a broad spectrum of coverage, including auto, home, and life insurance, with a notable reputation for customer service and financial stability. Conversely, United American Insurance distinguishes itself through specialization in health and life insurance, appealing to those seeking dedicated expertise in these areas.
Prudential Financial: Renowned global life insurance provider, showcases a strong commitment to long-term financial planning. United American Insurance’s regional focus and specialization may be perceived as an advantage by those seeking personalized, region-specific coverage.
While it may not match the scale of some competitors, these unique attributes contribute to its appeal for individuals seeking tailored health and life insurance solutions.
Frequently Asked Questions
What is United American Insurance?
United American Insurance is a health and life insurance company that has been in business since 1947. The company is headquartered in McKinney, Texas and provides insurance products and services to individuals and families across the United States.
What types of insurance does United American Insurance offer?
United American Insurance offers a range of insurance products, including Medicare Supplement insurance, life insurance, and supplemental health insurance.
How is United American Insurance rated by third-party organizations?
United American Insurance has an A- (Excellent) rating from A.M. Best, a leading rating agency for insurance companies. The company also has an A+ rating from the Better Business Bureau (BBB).
What is Medicare Supplement insurance and why might I need it?
Medicare Supplement insurance, also known as Medigap insurance, is designed to help cover the gaps in coverage left by Original Medicare. This can include deductibles, copayments, and coinsurance. If you are enrolled in Original Medicare, you may want to consider purchasing Medicare Supplement insurance to help reduce your out-of-pocket costs.
What types of life insurance does United American Insurance offer?
United American Insurance offers both term life insurance and whole life insurance. Term life insurance provides coverage for a set period of time, while whole life insurance provides coverage for the duration of your life.
What is supplemental health insurance and why might I need it?
Supplemental health insurance is designed to help cover the costs of medical expenses that are not covered by your primary health insurance plan. This can include expenses such as deductibles, copayments, and coinsurance. If you have a high-deductible health plan or are concerned about the potential costs of medical care, you may want to consider purchasing supplemental health insurance.
How can I get a quote from United American Insurance?
You can get a quote from United American Insurance by visiting their website or contacting their customer service team. You will need to provide some basic information, such as your age, health history, and the type of insurance you are interested in.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.