Is United American Insurance Legit? A Complete Guide

Is United American Insurance Legit?

United American Insurance is a company that offers various types of insurance products, such as life, health, medicare supplement, and cancer insurance.

An image to Illustrate: United American Insurance
United American Insurance is a company that specializes in providing insurance products for individuals, families, older people, and groups. But how good are they? In this article, we evaluate United American Insurance’s legitimacy, quality, and value/PHOTO COURTESY: Freepik

But is United American Insurance legit? How trustworthy and reliable are their services and policies? What are the benefits and drawbacks of choosing United American Insurance?

In this article, we will answer these questions and more, based on the latest information and customer reviews.

What is United American Insurance?

United American Insurance is a subsidiary of Torchmark Corporation, a holding company that operates several insurance and financial services companies.

United American Insurance was founded in 1947 and is headquartered in McKinney, Texas.

United American Insurance operates in 49 states and the District of Columbia and has over 1,000 employees and 2,000 agents.

United American Insurance specializes in providing insurance products for individuals, families, older people, and groups, with a focus on life, health, medicare supplement, and cancer insurance.

How does United American Insurance work?

United American Insurance works in four simple steps:

  1. First, you need to visit their website or contact their agent, and choose the type of insurance product that you are interested in. You can also request a free quote online, or by calling their toll-free number.
  2. Second, you need to fill out an application form and provide some personal and medical information. United American Insurance will then review your application, and determine your eligibility and rates. You may also need to undergo a medical exam, depending on the type and amount of coverage that you want.
  3. Third, you need to sign the policy contract and pay the premium, either monthly, quarterly, semi-annually, or annually. You can also choose the payment method that suits you best, such as a check, credit card, bank draft, or payroll deduction.
  4. Fourth, you need to keep your policy active, by paying your premiums on time, and updating your information if necessary. You can also access your policy details, make changes, file claims, and contact customer service, through their website or phone.

What are the pros and cons of United American Insurance?

United American Insurance has some advantages and disadvantages that you should consider before deciding to use their services.

Here are some of the main pros and cons of United American Insurance:

Pros

  • United American Insurance has a long and solid history and strong financial stability. It has been in business for over 70 years and has an A+ rating from A.M. Best, an independent rating agency that evaluates the financial strength and performance of insurance companies. It also has an A+ rating from the Better Business Bureau, an organization that monitors the customer satisfaction and complaints of businesses.
  • It offers a wide range of insurance products, that cater to different needs and preferences. It has various options for life, health, medicare supplement, and cancer insurance, with different levels of coverage, benefits, and costs. It also has some unique and innovative features, such as guaranteed renewable policies, no waiting periods, no deductibles, and cash benefits.
  • It has high customer satisfaction and loyalty, according to online reviews and testimonials. Many customers praise United American Insurance for their affordable and flexible rates, their comprehensive and quality coverage, their fast and easy claims process, and their friendly and helpful customer service.

Cons

  • United American Insurance is not available in all states, and some of their products and features may vary depending on your location and eligibility. You may need to check their website or contact their agent to find out if United American Insurance covers your area and meets your requirements.
  • It is not a direct insurance provider, but a broker that connects you with other insurance companies and underwriters. This means that you may not have a direct relationship with your actual insurer, and you may need to deal with multiple parties in case of issues or disputes.

Conclusion

United American Insurance is a company that offers various types of insurance products, such as life, health, medicare supplement, and cancer insurance.

United American Insurance is legit and has a long and solid history, strong financial stability, a wide range of products, and high customer satisfaction.

However, United American Insurance also has some drawbacks.

Therefore, you should do your research and comparison, and weigh the pros and cons of United American Insurance, before deciding to use their services.

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