About United American Insurance Company
United American was established in 1947. It was built upon four core values:
- Stability
- Service
- Quality
- Commitment
United American continues to be defined by these core values while continually adapting to meet our customers' needs.
United American Insurance Company is a wholly-owned subsidiary of Globe Life Inc. United American is licensed as a life and health insurance company in 49 states. United American’s New York affiliate Globe Life Insurance Company of New York serves independent agents and brokers offering individual and group insurance products underwritten to provide coverage for life insurance and supplemental health coverage.
Globe Life Inc. is a publicly traded insurance holding company listed on the NYSE stock exchange. It was ranked as #544 on the 2021 Fortune 1000 list. Globe Life employs a total of nearly 3,000 employees in offices located in McKinney, Texas (headquarters) as well as other locations: Waco, Texas; Oklahoma City, Oklahoma; Los Angeles, California; Cleveland, Ohio; Omaha, Nebraska; and Syracuse, New York.
United American Ratings and Financial Strength
United American Insurance Company is financially strong.
Why does this matter? Since 1947, we’ve been securing the financial futures of working class families helping them to thrive and grow. In addition to our trustworthiness and dependability, the state of our finances enables us to serve you.
Independent ratings agencies assign insurance companies financial strength ratings based on their financial condition and ability to pay claims.
United American Insurance Company has top-rated financial strength ratings. Policyholders and stakeholders can trust in our long-term financial security.
A (Excellent)
A.M. Best Company
For more than 45 years, United American has earned the A (Excellent) or higher Financial Strength Rating from A.M. Best Company (as of 7/21)1. With that experience and stability, we’re the Company that does what we say we will do.
AA- (Very Strong)
S&P Global Ratings
United American has an AA- (Very Strong) rating from S&P Global Ratings. This demonstrates our strong “ability to pay under [our] insurance policies and contracts in accordance with [our] terms.”2
A+ Strong
Fitch
The A+ (Strong) rating we received from Fitch reflects our “very strong and stable operating profitability, conservative operating strategy, strong capital position, consistent debt servicing capability, and above-average reserve margins.”3
A+
Better Business Bureau (BBB)
United American has been accredited by the Better Business Bureau (BBB) since 1952 and holds the highest rating possible of A+. BBB accreditation standards include a commitment to make a good faith effort to resolve any consumer complaints. The A+ rating represents the BBB's opinion of how United American is likely to interact with its customers. 4
A.M. Best assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide.
S&P Global Ratings provides high-quality market intelligence in the form of credit ratings, research, and thought leadership.
Fitch provides credit ratings, commentary, and research for global capital markets.
The Better Business Bureau helps people find businesses, brands, and charities they can trust.
Serving Americans Since 1947
We’ve come a long way since our humble beginning of just one employee back in 1947. Growth is good and a sign to our United American agents and customers that we’ll be here when you need us.
1955
United American moves to downtown Dallas
1966
First Medicare Supplement program starts
1977
First time United American earns A+ (Superior) Financial Strength Rating by A.M. Best Company
1982
Torchmark Corporation acquires United American Insurance Company.
1996
United American outgrows its Dallas office and moves to McKinney, Texas, where the holding company is headquartered.
2019
The holding company for United American changes its name from Torchmark Corporation to Globe Life, Inc.
Find the Coverage Right For You
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1. The A.M. Best rating refers only to the overall financial strength of the company and is not a recommendation of the specific policy provisions, rates, or practices of the insurance company. A (Excellent) is A.M. Best’s third highest rating.
2. S&P Global Ratings rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, notes, or practice of the insurance company.
3. The Fitch rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, notes, or practice of the insurance company.
4. Better Business Bureau's rating as of 4/21. BBB accreditation does not mean that the business's products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business's product quality or competency in performing services. BBB ratings are not a guarantee of a business's reliability or performance. BBB recommends that consumers consider a business's BBB rating in addition to all other available information about the business.