Medicare Supplements

United American has been a prominent Medicare Supplement insurance provider since Medicare began in 1966. Additionally, we’ve been a long-standing participant in the task forces working on Medicare Supplement insurance policy recommendations for the National Association of Insurance Commissioners.

Insurance Products

When you become a United American policyholder, you gain freedom of choice. Our products allow you to keep your choice of trusted doctors and hospitals. 

Group Insurance

United American Insurance Company has been a market leader in providing insurance to employer and union group sponsors for 25 years.


United American has been underwriting life and health insurance since 1947. Thousands of independent agents/agencies have found success selling our life, health, and Medicare Supplement policies.


One of the many things United American is well-known for is our superior customer service. When it comes to your health, we believe education, service, and support are vital. With our experience and stability, we’re the Company that does what it says it will do.

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Because of our 50+ years of experience in providing life, supplemental health and Medicare Supplement insurance, United American offers superior customer service to both our agents and customers.  Never stress about your claim status with our online claim tracker. Need more help? Let one of our licensed agents assist you.


At United American, we only provide knowledgeable and licensed agents to service you. Say goodbye to wasted hours spent on hold and bid good riddance to talking to artificial intelligence. Hear a live voice or get one-on-one time with one of our licensed agents today.

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Should I Buy an Individual Life Insurance Policy If I am Unemployed?

Should I Buy an Individual Life Insurance Policy If I am Unemployed?

Unemployment is an event that happens to many people in their working life. How you prepare for it is important and may determine how easily you get back on track. Experts suggest while you are employed putting aside three to six months of earnings in a savings account or some other form of savings you can liquidate easily.1 Keeping your benefits current is also important. During a period of unemployment, a former employee who is previously covered under an employer’s group coverage under the Consolidated Omnibus Budget Reform Act (COBRA) can continue with group health coverage.

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Learn more about life insurance products

Many people don’t plan for or think about the status of their life insurance during periods of unemployment.

Life insurance options when unemployed

Three options may follow the loss of a regular paycheck:

  1. Your life insurance coverage ends, and you are without life insurance coverage.
  2. Your group life insurance allows you to convert the group life insurance policy to an individual life insurance policy.
  3. You seek your own individual life insurance policy so you will ensure you have coverage.

Converting a group life insurance policy to an individual life insurance policy

If your life insurance was part of a group life insurance through your former employer, you may be able to convert it to a personal life insurance policy and continue paying your premiums each month. Speak with the human resources or benefit department to see what your options are.

Buying an individual life insurance policy

If you lose your group life insurance policy, it may be a good time to speak with a licensed insurance agent who can steer you in the direction of an individual life insurance policy.

Having an individual life insurance policy is a safe and secure way to ensure you are always covered, no matter your current employment situation. Ensuring you and your family are financially protected from unknown events is a priority even when you are unemployed.

If you do have an individual life insurance policy, you want to continue paying on the premiums each month. Depending on the type of life insurance you have, you may consider using a part of the insurance as a loan during your unemployment to cover your household expenses, if appropriate.

If you are having difficulty paying the life insurance premium, you may be able to reduce it to a smaller, more manageable amount. It is important to contact customer service and the agent who sold you the insurance and make them aware of your current condition. They may have alternate options for you.

Reevaluating life insurance after getting a new job

Once you are employed again, it may be time to evaluate your insurance needs with a licensed insurance agent or broker. You may have a higher income at your new job and evaluating your needs with a licensed insurance agent is a priority. Or you may want to purchase whole life insurance in case you ever have an unexpected event that would allow you to borrow from your insurance policy.

It is likely your employer will offer group insurance, but if you were to lose your job, would you be in the same place with no life insurance because you only depend on the offered group life insurance by an employer?

This is a good time to evaluate what your long-term financial needs are and how investing in an individual life insurance policy may save you in the long run.