United American Contracting and 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).

These are United American's current policies and state availability for 2018.

Accident Expense

United American Accident Compensation Plan

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Issue ages 0 to 63. Accident policy offers a choice of either lump sum accident payment up to $10,000 or hospital cash benefit. Accidental death benefit pays instead of all other benefits. Rates start from $8 per month. Not available in all states.

Annuities

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Reserve Fund Annuity is a flexible premium deferred annuity available with ProCare Medicare Supplement plans A, B, D, G, HDF, K, or L for policyholders age 65 to 90 (65 to 86 in OK).

Funds can help pay for calendar year Parts A and B deductibles and Part B excess charges. Funds may be deposited in a lump sum and/or through monthly deposits made with premium payments (minimum deposit $50). Minimum balance of $10 and no surrender fees. Maximum deposits can total $20,000 over the life of the contract. Maximum initial deposit is $4,480 with application. Not available in all states.   

Cancer

United American First Diagnosis Cash Benefit Cancer

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Issue ages 0 to 69. The policy pays a one-time lump sum benefit up to $50,000 upon written proof of first diagnosis of cancer. Benefit not contingent upon treatment. Rates start from $6 per month. Policy form may vary by state. Not available in all states.

Critical Illness

United American HealthGuard Critical Illness

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Issue ages 18 to 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. Rates start from $3 per month. Not available in all states.

Final Expense

United American Final Expense Whole Life

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Issue ages 50 to 80. Senior Whole Life insurance with face amounts from $1,000 to $25,000 may vary by state. Graded death benefit (sub-standard) and level death benefit (sub-standard) are available where state approved. Terminal Illness Accelerated Benefit Rider automatically included, at no cost, with certain plans where state approved. Premiums stay the same throughout the life of the policy. Not available in all states.

Hospital Indemnity

United American Foundation Signature Series

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Issue ages 0 to 63. Foundation Signature Series is a limited benefit hospital expense policy, and applicant must have existing or pending group major medical policy. Calendar year maximum benefit amounts up to $10,000, helps cover major medical deductibles, copayments, and coinsurance associated with hospital inpatient treatment.

Hospital outpatient expense is an optional rider for an additional premium. Rates start from $6 per month. Not available in all states.

Life

United American Accidental Death Policy

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Accidental death policy offers a $3,000 death benefit for primary insured, $3,000 for spouse and $1,000 for each child in household. The annual premium is $10 not due until end of first policy year. Not available in all states.

United American Juvenile Whole Life

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Issue ages 0 to 18. Whole Life insurance policies with face amounts from $1,000 to $25,000 may vary by state. Terminal Illness Accelerated Benefit Rider automatically included, at no cost where state approved. Premiums stay the same throughout the life of the policy. Not available in all states.

United American Fundamental Life Series - Term

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Issue ages vary based on policy form, gender, and tobacco or non-tobacco use. Term Life insurance policies with face amounts from $25,000 to $500,000 are offered. Disability waiver of premium, child term life, and accidental death benefit are optional riders at an additional cost to eligible applicants. The policy premiums stay the same throughout each term period.

10-Year Renewable Term, initial term last for 10 years, term periods expiring before age 61 renew for another 10 years, term periods expiring on or after age 61 renew on an annual basis, premiums are then subject to change annually.

10-Year Term to Annual Renewable Term, initial term lasts for 10 years, policy can be renewed on an annual basis at the end of the term, and premiums are then subject to change annually.

20-Year Term to Annual Renewable Term, initial term lasts for 20 years, policy can be renewed on an annual basis at the end of the term, and premiums are then subject to change annually.

Availability and policy benefits vary by state.

Medicare Supplement

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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.

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

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