I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 4, 2022

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Here's the Scoop

  • 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.

CompanyRating
A.M. BestA+ (Superior)
Standard Poors (S&P)AA- (Very Strong)
The Better Business Bureau (BBB)A+ (Superior)
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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.