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.

Call Today:  844-593-8913
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Cash Value in Life Insurance

Cash Value in Life Insurance

Cash value: Is it worth it?

When it comes to life insurance, there are two types of policies: term and whole life. Term life insurance is just what it sounds like – the policy covers you for a certain period of time. Whole life insurance covers you for your whole life, and some of them have a cash value option, which lets you tap into the policy before you die.

Among a few other reasons, the cash value can be one explanation as to why whole life policies cost more than term policies. The cash value amount will grow over the life of your policy from interest. If you decide to use your cash value, there are a few ways you can obtain it.

You can use it to cover your premiums.

Once you’ve accumulated enough cash value, you can use some of the money to cover your premium payments. This is also known as being “paid up.”

You can take out a loan against your policy.

In doing so, you would pay it back at a rate that may be less interest than that of a bank. In most cases, you’re not obligated to pay it back. However, the money you owe plus interest is taken out of your policy, thus leaving a lower death benefit amount for your beneficiary. So whatever you take out, your beneficiary loses out on.

You can make a full or partial withdrawal of your cash value.

A withdrawal might lower your death benefit depending on your policy and cash value. Since it depends on the policy, check with your agent to see what the values and reductions would be.

Learn more about the benefits of life insurance cash value or talk to an agent today about your policy’s cash value.

Not all life insurance products offer the ability to take a loan on the policy. Loans and premium payments may change due to the type of policy that is selected by the customer.

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Learn more about life insurance products