United American Contracting & Appointment

United American has been around since 1947 and is one of the leading writers of individual Medicare Supplement insurance. United American offers a very competitive and diverse product portfolio including Medicare Supplements, annuities, life, and supplemental health and accident plans.

For 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of July 2017).

United American Products and State Availability

These are United American's current products and state availability for 2021, as well as information on contracting and appointment.

Accidental Death

View this information as a web page.

State Availability

Current as of 09/24/2020

AK AR AZ CO DC DE GA HI IA ID IL KS KY LA MD ME MI MN MO MS MT NC ND NE NV OH OK PA TX UT VA VT WI WY

Plan Information

Current as of 03/03/2021

Issue ages 18–68.

$3,000 for Member. $3,000 for Spouse. $1,000 for each child.

Member pays no premiums during the first policy year. At the end of the first policy year, member can keep coverage for a $10 a year premium. If member decides not to pay the premium the plan will terminate, and no premiums will be due.

  • Issue ages: 18-68.
  • Noncancelable & guaranteed renewable.
  • Coverage effective immediately.

Request a Product Kit for United American Accidental Death

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

First Diagnosis Cancer

View this information as a web page.

State Availability

Current as of 09/24/2020

AK AL AR AZ CA CO DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MO MS NC ND NE NH NM NV OH OK OR PA RI SC TN TX UT VA VT WA WI WV

Plan Information

Current as of 03/03/2021

The policy pays a one-time lump sum benefit up to $50,000 upon written proof of first diagnosis of cancer. No physical exam required to apply. Pays in addition to all other insurance (even government or VA facility). Money is paid directly to member. Benefit not contingent upon treatment. Low monthly rates available. Policy form may vary by state. Not available in all states.

  • Issue ages 0-69.
  • Individual, single parent, and family plans.
  • Premiums will not increase with age – only on a class basis by state.
  • Guaranteed renewable until covered person’s one-time cash benefit is paid.
  • Benefit paid upon written satisfactory proof of first-time diagnosis of cancer while policy is in force.

Request a Product Kit for United American First Diagnosis Cancer

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Health Guard Critical Illness Supplement

View this information as a web page.

State Availability

Current as of 09/24/2020

AK AL AR AZ CA CO DC DE FL GA HI IA ID IL IN KS LA MD ME MI MO MS NC ND NE NM NV OH OK OR PA RI SC TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 03/03/2021

Issue ages 18–64.

HealthGuard is a cash benefit critical illness policy and pays a one-time lump sum benefit up to $50,000 upon written proof of first diagnosis. Covered illnesses include heart attack, stroke, total loss of eyesight and total loss of hearing, end-stage renal failure, and major organ transplant. Low monthly rates available. Not available in all states.

  • Issue ages 18 through 64.
  • Choose a lump sum benefit amount of $10,000, $20,000, $30,000, $40,000, or $50,000 (Benefit amount will reduce by 50% at age 65).
  • One-time, lump sum payment paid directly to member.
  • Guaranteed renewable to age 80
  • First diagnosis coverage – policy terminates upon payment of benefit.
  • Pays in addition to any other life, major medical, or hospital coverage.
  • Individual and spouse coverage available.

Request a Product Kit for United American Health Guard Critical Illness Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

UA ProCare Medicare Supplement

View this information as a web page.

State Availability

Current as of 09/24/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 03/03/2021

Select from Plan A, B, C, D, F, HDF, K, L or N, may vary by state. Designated plans are available under age 65 due to disability in some states.

Pre-existing conditions are with the exception of open enrollment/guaranteed issue periods, loss due to injury or sickness for which medical advice or treatment was recommended or given by a physician within 6 months prior to policy effective date is not covered unless the loss is incurred more than 60 days (6 months for under age 65 disability) after the effective date. Waiting period waived if replacing a Medicare Supplement policy.

Additional features:

  • 30-Day review period.
  • Effective date of coverage.
  • Limited exclusions.
  • Pre-existing conditions.

The iGO e-Application is available to submit business electronically to UA from your iPad, laptop, or PC. Any available screen-sharing service, in conjunction with the iGO e-Application, can be used to assist when initiating the application process via telephone.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for United American UA ProCare Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

United American Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

To view our Agent Docs Library, you'll need to either login or register for a free account:

Quick Links