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.

File A Claim

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.

Things to Consider Before Surrendering a Whole Life Insurance Policy

Things to Consider Before Surrendering a Whole Life Insurance Policy

If you have a whole life insurance policy, you probably know that whole life is, like its name implies, life insurance that offers coverage for your whole life. You probably also know that as a permanent type of life insurance, whole life insurance also typically builds cash value. If you have a whole life insurance policy in place, you may have originally purchased it for its whole life coverage and to use as an investment tool for its cash value. But maybe you currently find yourself in a different life situation – maybe you don’t need coverage anymore, you can’t afford the premiums anymore, or you simply need the funds from the cash value. Whatever your circumstances, you’re wondering how to surrender your whole life insurance policy. Here’s a quick rundown.

If you want to surrender a whole life insurance policy, DoughRoller notes that “you have to actually call your insurance company to cancel the policy,” (which is unlike a term policy that only requires you to stop paying your premiums).1 DoughRoller goes on to note that surrendering your policy might be your best option if you’ve found much cheaper term insurance or if you don’t need life insurance anymore. 1 DoughRoller also tells us that you can get your cash value back if your policy has been in place long enough, but “this doesn’t come without fees,” 1 and you will have to contact your insurance company to determine what those fees would be.

Before you surrender your whole life insurance policy, it’s important to consider why you want to surrender it and if that is the best decision for you. When you surrender your policy, you are no longer covered if the inevitable happens. One consideration may be the cash value portion of your policy, rather than surrendering the full coverage. 

The bottom line is you should consider your circumstances and alternatives before surrendering your whole life insurance policy, and surrendering your policy may come with fees or taxes. If you need assistance, seek a financial advisor or speak with a licensed insurance agent about your options and what the best course of action would be for you.


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1 DoughRoller, When to Cash In a Life Insurance Policy, 2020