United American Insurance Company: A Sub-par Subsidiary

Last Updated July 12, 2024

Easy Navigation

Ethnic African American man employer entrepreneur businessman in cafe with coffee tea talking

United American Insurance Company: A Subsidiary

     When looking for plans with United American Insurance Company, you may find it interesting that they share the exact same logo as Globe Life. The reason for this is that United American Insurance is a subsidiary of Globe Life. You may be wondering, what does subsidiary even mean? A subsidiary or subsidiary company refers to a separate company that exists under the umbrella of another corporation. The “umbrella” cooperation is known as a parent or holding company. Subsidiary companies usually operate independently while still benefiting from the resources provided by their parent company. United American Insurance was acquired as a way for Globe Life to diversify itself without spreading too thin. 

     Originally, CL Dunlap created the United American Insurance Company back in 1947 where he sold supplemental insurance, especially when Medicare was signed into law in 1965. That was their main focus for years before branching out into life insurance policies. They were then acquired by Globe Life, then known as Torchmarck, in the 1980s making them an official subsidiary of the company.

Coverage Options with United American Insurance Company

Term Life Insurance

     Term life insurance is a type of life insurance that does not last your whole lifetime and instead has a set time limit that is set to end. There is no other value within a term life insurance policy aside from the guaranteed death benefit which makes their premiums much more affordable than a permanent life insurance policy. 

     That being said if you are looking for a term life insurance policy with an affordable rate you will have to look elsewhere. United American Insurance Company only provides whole life insurance policies which can be far more expensive than a term plan. If you are only looking for coverage for a specific period of time you will not find it with United American Insurance. 

Permanent Life Insurance

     Permanent life insurance, also known as whole life insurance plans, are insurance plans that last the life of the insured. They can build cash value over time that the insured can use later. Upon the insured’s death, beneficiaries are the people who have been selected beforehand to obtain any death benefit amount. A death benefit will get paid out as long as the premiums have been paid on the policy and the account is current. United American Insurance provides two types of whole life insurance policies. Final expense life insurance and Juvenile whole life insurance. 

Final Expense Insurance

     United American Insurance Company has final expense insurance that is marketed toward seniors between the ages of 50- 80 for standard rates. Final expense plans are used to pay for funeral and burial expenses. Like other whole life insurance options, United American Insurance Company offers both Level and Graded insurance policies. Their level policy is for people who submit to their underwriting questions, show favorable health, and are considered low risk. These plans are typically more affordable and come with additional perks. 

     Their Graded insurance trades accessibility for a graded death benefit. You do not have to submit to a medical exam in order to qualify but, as a way for United American to protect itself, it will slowly grant you more coverage over time. Unlike most other insurance companies which have a two-year graded death benefit, United American’s graded death waiting period is three years. You will have to wait a full three years before your beneficiaries are eligible for the full death benefit amount. United American Insurance Company’s graded plan is as follows:

     The beneficiary of the insured receives 25% of the full death benefit if death occurs in policy year one. Afterward, they are eligible for 50% of the full death benefit if death occurs in policy year two. Normally other companies would grant you the full benefit in the third year but United American grants 75% of the full death benefit if death occurs in policy year three. Finally, 100% of the death benefit will be payable to the insured’s beneficiary for any death starting in the fourth year.

     Coverage amounts under United American Insurance Company are between $1,000 to a maximum of $25,000. These low amounts translate into low premium payments but may not work as an income replacement or to pay bills other than funeral and burial expenses. United American does allow you to add your spouse as a secondary applicant but it should not be confused with a joint life insurance policy. Should you and your spouse be accepted for a whole life insurance policy, you will be issued your own individual policy plan.

Juvenile Whole Life Insurance

     While life insurance for children is not common, it certainly does show up now and again. Juvenile life insurance in general, not just by United American Insurance Company, tends to be far more affordable since children are typically very healthy. Due to the fact that children are much healthier than adults, there is no need for a medical exam for the child to qualify. Premium rates are lower and United American allows for this policy to extend into the adulthood of the insured child.

United American Insurance Company Underwriting

     Underwriters determine your eligibility for insurance coverage by either having you submit to a medical exam or, in this case, fill out a health questionnaire. The health questionnaire is designed to give underwriters an easy time either denying or accepting you. Health questionnaires typically have disqualifier questions. Answering “yes” to any disqualifier question will result in your application being denied

     Any questions posed after the disqualifiers are there to see if you are eligible for United American’s level or graded policy options. Level policies are reserved only for individuals who are not smokers and have no serious underlining medical conditions or any pre existing conditions. Several health conditions will place you firmly under the graded benefit status. These health conditions include but are not limited to:

  • Heart Attack
  • Diabetes 
  • Stroke
  • Obesity
  • Major Surgeries

Best $10,000 Burial Insurance Companies

     These $10,000 coverage policies have steady and affordable premiums for the life of the policy. If you are looking for great coverage with low monthly premiums, we recommend these top carriers for all of your final expense needs. This is Final Expense Benefits’ best $10,000 insurance policies for seniors.

Company 50 y/o Male 50 y/o Female 60 y/o Male 60 y/o Female 70 y/o Male 70 y/o Female

These figures were obtained from the NFDA and are estimates only. For a detailed quote, please contact an agent. 

United American Insurance Company Pros and Cons


  • Low Premiums
    United American Insurance Company designs its life insurance products to have small death benefits due to the population it is marketing to. This is why United American is able to have such low premiums in the first place.
  • No Medical Exam Required
    United American Insurance does not require a medical exam for its final expense insurance product.


  • Low Death Benefit Amount
    With final expense being the only insurance option available to adults, there is no way to get a large death benefit to your beneficiaries.
  • No Term Life Insurance
    You will not be able to get a term life insurance policy under United American. If you are under the age of 60 and are in good health, it would be in your best interest to check term policies from other companies.
  • Little Information Online
    United American Insurance Company provides you with very limited information regarding their juvenile and final expense insurance policies. This is a tactic often used to get you to call an agent before understanding what your possible premium could be.
  • No Rider Selection Variety
    Insurance riders can be thought of as add-on’s of coverage for your life insurance policy. Unfortunately, United American Insurance Company has only one available rider and offers no others.

Ratings for Credit and Customer Service Satisfaction

AM Best Rating

     AM Best can best be described as a rating agency focused on the creditworthiness of insurance companies worldwide. Their grading system is similar to the education system where they go from A+ to F. They measure the likelihood of a company defaulting on its financial obligations to its consumers. 

     United American Insurance Company Company has a ranking of A+, which is considered superior. Their financial outlook is considered stable and they are on track to continue to meet all financial obligations.

JD Power Rating

     JD Power uses data and AI (artificial intelligence) to understand complex consumer behavior. They are committed to providing unbiased information and embody the highest ethical and professional standards. Unfortunately, the United American Insurance Company was not selected to participate in the survey.

NAIC Rating

    The National Complaint Index (NAIC) records complaint trends for companies every year. Their rating system has anything above 1.0 as above average for complaints and anything below would be below average for complaints. At Final Expense Insurance, we noticed that United American Insurance Insurance ranked far above average in the number of complaints. When it came to their life insurance products, United American had a NAIC score of 21.15. That is not a typo. United American Insurance Company really does have a complaint score over 20 times the national average. This does not bode well for any future customers and their customer service.

United American Insurance Company Reviews

I'm dealing with United American insurance company on a life policy. My uncle passed and I was the primary of the policy since 1998. I send all the paperwork for the claim. I'm waiting on my money no check it went to the sister she had a memo letter come to find out it was forged gotten a handwritten analysis done it came back it was forged and the agent was in on it he's was the eyewitness he the one push it through. push me out of the way it's forged and fraud all day. That's bad business with the United America insurance company. That's bad business and bad faith they lost all kinds of trust. People be careful who you deal with these days there is no loyalty these days. All businesses now they not playing by the rules.
Portrait of stylish middle aged man
Ted S. ✓
St. Louis, Missouri ⭐
I am insured by this company and have tried multiple times to reach them. Every time I call, their IVR system disconnects me and thus I am unable to speak to anyone at the company.
Older woman with olives
Roberta F. ✓
Tampa, FL ⭐
On 11/6/2019 I submitted my claim and uncles original death certificate via certified mail. I have confirmed receipt and have contacted United American Insurance numerous times without resolution to my claim. On 8/3/2021 I spoke to Nancy Hernandez and emailed her the past communications. She confirmed receipt and said she would contact the claim dept. I've since sent 2 emails asking for a status which have gone unanswered. On 9/3/2021 I called and was again told the claim is with their claim department.
Close up portrait of african man curvy with curly hair at home.
Marlon L. ✓
Cincinnati, OH ⭐⭐

Our Review and Final Thoughts

     Coupling the lackluster reviews with their incredibly high NAIC score, we cannot recommend United American Insurance Company in good faith. They may seem affordable with a such low premium and death benefit rates but as the old adage goes, you get what you pay for. I highly recommend staying away from this company and finding a more reputable company to do business with.

      Final Expense Benefits partners with over 20 carriers with customer satisfaction guaranteed. They offer no medical exam options at much more affordable rates that fit your needs.  Some of our highly-rated carriers include:

      If you are looking for trusted and affordable final expense insurance, Final Expense Benefits experts have got you covered. Call one of our talented agents today at 1 (866) 311-4338 to get an affordable quote with one of our highly-rated insurance carriers. 

Frequently Asked Questions

Who owns the United American Insurance Company?

United American Insurance Company is a wholly-owned subsidiary of Globe Life Inc.

Do I need a medical exam?

Most final expense insurance policies do not require a health exam. You will have to answer some simple health questions in their application. 

What is final expense life insurance?

Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy that specifically assists with end-of-life expenses. From funeral services to final medical bills, these fixed-rate policies last as long as the insured lives. 

What is Whole Life Insurance?

Unlike term, whole life insurance is a type of policy that lasts for as long as you pay the premiums. Usually, the policy has a clause to end if you live over 100 years old. Whole life insurance also has a cash value that grows over the lifetime of the policy.

Prefer To Call Us?

We know insurance is tricky.
5 agents available now