United American Insurance Ratings
United American Insurance is a company that provides a wide array of options for both life insurance and Medicare users. They are a great option if you are looking for a policy due to terminal illness or an underlying condition that would otherwise prevent you from obtaining life insurance regularly.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Apr 4, 2022
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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: Apr 4, 2022
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 provider and cannot guarantee quotes from any single provider.
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 on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- United American has simple and straightforward plans
- Not only does United American carry life insurance, but they have Medicare supplement policies too
- They have excellent ratings from customers, A.M. Best and the Better Business Bureau
United American Insurance Company, owned by Torchmark Corporation, is a well-respected company with decades of experience focusing on supplemental insurance policies for those in need of life insurance and Medicare supplements.
United American’s life insurance options include whole life, term life, accident, and critical illness.
Keep reading for more information on United American Insurance Company ratings and reviews. Ready to start comparing quotes in your area? Simply enter your ZIP code into our free tool.
United American Insurance Ratings
United American Insurance was founded on its four core values: stability, service, quality, and commitment.
With more than 40 consecutive years in the industry, United American Insurance Company has held high ratings with the Better Business Bureau, Standard Poors, and A.M. Best.
| Company | Rating |
|---|---|
| A.M. Best | A+ (Superior) |
| Standard Poors (S&P) | AA- (Very Strong) |
| The Better Business Bureau (BBB) | A+ (Superior) |
According to the BBB, there were 12 total customer complaints made within the last three years. Of those, four were closed within the last year.
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What products does United American Insurance provide?
The company offers two life insurance options: term life and whole life, along with several other insurance products like Medicare supplements.
Among the Medicare supplement (Medigap) policies that United American offers — A, B, D, G, K, L, and N — C and F are only available to those eligible for Medicare before 2020.
United American also offers flexible premium annuities.
What are United American Insurance rates like for Medicare?
Many companies try to keep their rate increases low to market value, but this fluctuation will depend on your state. United American’s average Medicare supplement rate increase is between 0.00% and 3.2%.
Your rates will automatically increase because of your age, but the state that you reside in can impact how much these rates increase over time.
What are United American Medigap insurance reviews like?
As stated before, United American health insurance ratings are excellent when it comes to their policies and what they cover.
According to Consumer Affairs, customers have rated United American’s Medicare and Medigap coverage 4.7 out of five stars, with most reviews expressing satisfaction with the policy coverage and easy application processes.
There were a few complaints about prices with certain rates, but they are in the minority.
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How does United American Insurance hold up to UnitedHealthcare?
There is a common comparison between United American Insurance and UnitedHealthcare since they are both big names within the insurance industry. However, some stark differences set them both apart from each other.
While United American Insurance has over 300,000 health care professionals and 4,100 hospitals in their network, UnitedHealthcare has over 1.3 million health care professionals and around 6,000 hospitals and other care facilities.
Supplemental coverage is also slightly different between both United American and UnitedHealthcare:
United American Insurance Company
- Cancer insurance
- Critical illness insurance
- Accident insurance
UnitedHealthcare
- Hospital and doctor insurance
- Vision insurance
- Term life insurance
- International travel insurance
- Accident insurance
- Hospitalization insurance
- Critical illness insurance
- Student health insurance
As you can see, UnitedHealthcare has far more benefits than United American when it comes to coverage. It’s hard to not see the differences when you compare UnitedHealthcare’s company size to United American.
This doesn’t mean that United American is out of the game. The company has promoted that their “smaller” business model is intentional and that they want to maintain the atmosphere of being a smaller company with the backing and longevity of a larger one.
This is to provide their customers with the personal touch that only a smaller business would be able to provide.
United American Insurance Ratings: The Bottom Line
United American Insurance is excellent insurance for anyone who needs straightforward plans with the backing of a company that’s been around for decades.
This alone helps them stick out among their competition.
Now that you’ve learned about United American Insurance, take the time to enter your ZIP code into our free tool and start comparing insurance quotes today.
Enter your ZIP code below to view companies that have cheap insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.