United American Insurance Company, founded in 1947, is grounded in four core values: Stability, Service, Quality, and Commitment.
The company remains dedicated to these principles while continuously evolving to meet its customers’ evolving needs.
Overview of United American Insurance Company
It operates as a wholly-owned subsidiary of Globe Life Inc. and holds licenses as a life and health insurance provider in 49 states.
United American’s New York affiliate, Globe Life Insurance Company of New York, specializes in serving independent agents and brokers.
They offer a range of individual and group insurance products tailored to provide life insurance and supplemental health coverage.
Globe Life Inc., a publicly traded insurance holding company listed on the NYSE stock exchange, holds the rank of #544 on the 2021 Fortune 1000 list.
The company employs nearly 3,000 individuals across various offices, including its headquarters in McKinney, Texas, as well as locations in Waco, Texas;
Oklahoma City, Oklahoma; Los Angeles, California; Cleveland, Ohio; Omaha, Nebraska; and Syracuse, New York.
Since their journey began in 1947 with a single employee, United American Insurance Company has grown significantly.
This growth is a testament to their commitment to United American agents and customers, assuring them that they’ll be here whenever they need them.
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Key Milestones include:
- 1947: Founded by C.L. Dunlap
- 1955: United American relocates to downtown Dallas
- 1965: Medicare is signed into law
- 1966: United American initiates its first Medicare Supplement program
- 1977: United American earns its first A+ (Superior) Financial Strength Rating from A.M. Best Company
- 1982: Torchmark Corporation acquires United American Insurance Company
- 1996: United American outgrows its Dallas office and relocates to McKinney, Texas, where the holding company is headquartered
- 2019: The holding company for United American changes its name from Torchmark Corporation to Globe Life, Inc.
United American Insurance Company Contact Details:
Address: 3700 S. Stonebridge Drive, McKinney, Texas 75070
Customer Service Fax: (972) 569-3721
Claims Documents Fax: (972) 569-3709
Find an Agent Phone Number: (844) 593-8913, Monday-Friday: 7:30 a.m. – 5 p.m. CST
Customer Care Phone Number: (800) 331-2512, Monday-Friday: 7:30 a.m. – 5 p.m. CST
Group Insurance Inquiries Phone Number: 800-353-6926, Monday-Friday: 7:30 a.m. – 5 p.m. CST
United American Insurance Company Coverage
In terms of insurance coverage, United American Insurance Company offers a comprehensive range of options to meet the diverse needs of its policyholders.
These options encompass various aspects of insurance, including life insurance, health insurance, and annuities.
- Term Life Insurance: Offers coverage for a specified term, providing a death benefit to beneficiaries if the insured passes away during that term.
- Whole Life Insurance: Provides lifelong coverage with a cash value component that grows over time and can be accessed by the policyholder.
- Universal Life Insurance: Combines life insurance with an investment component, offering flexibility in premium payments and potential cash value growth.
- Individual Health Insurance: Ensures coverage for individuals and families, aiding in medical expense coverage, including doctor visits, hospital stays, and prescription medications.
- Medicare Advantage Plans: Offers Medicare Advantage plans with additional benefits beyond original Medicare, including prescription drug coverage and wellness programs.
- Medicare Supplement Insurance (Medigap): Helps fill the gaps in Original Medicare coverage, including deductibles, copayments, and coinsurance.
- Fixed Annuities: Provides guaranteed income payments for a specified period or for life, ensuring financial security during retirement.
- Indexed Annuities: Combines the safety of a fixed annuity with the potential for higher returns linked to stock market indices.
Final expense insurance:
- Designed to specifically cover end-of-life expenses, including funeral costs, medical bills, and outstanding debts, thus easing the financial burden on loved ones.
United American Insurance Company Discounts
- Multi-Policy Discount
- Safe Driver Discount
- Good Student Discount
- Multi-Vehicle Discount
- Safety Features Discount
- Loyalty Discount
- Payment Discounts
- Non-Smoker Discount
- Good Health Discount
- Early Signing Discount
The availability of these discounts and their specific terms may vary by location and policy type.
For accurate details about the discounts available to you, it is advisable to contact United American Insurance Company directly or visit their official website.
United American Insurance Company Competitors
Regarding competitors, United American Insurance Company faces competition from several well-established providers offering similar products and services.
These competitors include Aetna, Prudential Financial, Cigna, Metlife, Colonial Penn Life Insurance, Humana, and AIG.
Each of these competitors has its strengths and weaknesses, and the choice between them often depends on a customer’s specific needs, budget, and preferences.
United American’s ability to remain competitive in this crowded field lies in its commitment to customer satisfaction, product innovation, and maintaining a strong financial standing.
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United American Insurance Company Claims Process
The company places a strong emphasis on a user-friendly approach.
Policyholders benefit from multiple channels to conveniently file claims, including online submissions, phone assistance, and mobile app functionality.
This flexibility enables customers to select the method that best suits their needs, streamlining the claims submission process.
The average claim processing time is efficient, with a swift resolution expected, though processing times may vary based on the nature of the claim.
Customer feedback on claim resolutions and payouts
Customer feedback on claim resolutions and payouts has been positive.
With customers expressing satisfaction with the company’s approach to handling claims, highlighting its transparency and financial stability.
United American’s reputation for fair and efficient claim resolutions underscores its commitment to providing a dependable and customer-focused claims experience.
Digital And Technological Features
United American Insurance Company offers a comprehensive mobile app with a wide range of features and functionalities.
The app empowers policyholders to seamlessly manage their insurance needs, including policy management and claims tracking.
Its user-friendly interface ensures easy access and control of coverage through mobile devices.
Additionally, United American provides a secure online portal accessible 24/7 for online account management, allowing policyholders to directly access their policy information.
This facilitates the review of coverage details, policy adjustments, and account activity monitoring at their convenience.
United American also provides digital tools and educational resources to enhance policyholders’ understanding of insurance and financial planning.
These resources encompass valuable insights, calculators, and informative materials covering topics such as insurance planning and retirement strategies.
United American’s digital tools are designed to offer essential guidance, equipping policyholders with the knowledge needed to make informed decisions about their coverage and financial future.
United American Insurance Company Ratings & Reviews
A.M. Best rating: A (Excellent)
Complaint level: Low
- Comprehensive insurance options
- Clear and simple claims process
- High customer satisfaction
- Solid financial standing
- Mainly focused on the U.S., limited international coverage
- May not be the most budget-friendly choice
- Limited online account management features
United American Insurance Company FAQS
What types of life insurance do United Americans offer?
United American offers a range of Life Insurance options, including Term Life Insurance, Whole Life Insurance, and Universal Life Insurance.
Each type provides unique features and benefits to meet your specific needs.
Can I customize my health insurance with United Americans?
Yes, United American offers a variety of individual health insurance plans that can be tailored to your needs.
You can choose coverage options that align with your healthcare preferences and budget.
How do I file a claim with United Americans?
Filing a claim with United Americans is a straightforward process.
Contact their customer service or visit their website to initiate the claim process.
Their dedicated team will guide you through the necessary steps.
Are there any age restrictions for purchasing final expense insurance?
United American’s final expense insurance is designed to accommodate individuals of various age groups.
There are typically no strict age restrictions, making it accessible to those looking to cover end-of-life expenses.
What sets United American apart from other insurance companies?
United American distinguishes itself through its commitment to transparency, customer satisfaction, and strong financial stability.
These qualities, coupled with a range of insurance offerings, make it a trusted choice for safeguarding your future.
Content Writer, Insurance Insights
Over 6 years in the insurance industry
Insurance Writing Maestro:
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