No one likes to plan for the worst, but having a life insurance policy in place is important to protect your family’s financial future. If you’re shopping for life insurance policies, United Insurance Company of America is one of your options. The company is a subsidiary of Kemper Corporation and offers life, accident, and health insurance through the Life and Health Group of Kemper Corporation.
- What is the United Insurance Company of America?
- What insurance products does United Insurance Company of America offer?
- How does United Insurance Company of America work?
- What people are saying about United Insurance Company of America
- How to contact United Insurance Company of America
- FAQs about United Insurance Company of America
- How to get started with United Insurance Company of America
- Bottom line
To help you decide whether United Insurance Company of America is right for you, we dug into its company profile, including financial strength ratings, customer reviews and complaints, product offerings, and online tools. Here’s what you need to know to make a decision.
What is the United Insurance Company of America?
United Insurance Company of America was established in 1919 and is headquartered in Saint Louis, Missouri. It is a subsidiary of Kemper Corporation and underwrites the company’s life, accident, and health policies.
The company is dedicated to providing affordable insurance products for modest-income families. United Insurance Company of America has 50 district offices and 1,400 field employees and is licensed to sell insurance in all 50 states and Washington, D.C. Both United Insurance Company of America and Kemper Corporation are legitimate companies. Kemper is one of the 100 largest insurance companies in the U.S.
What insurance products does United Insurance Company of America offer?
United Insurance Company offers life insurance, including term and whole life products, along with accident insurance and Medicare supplement plans.
United Insurance Company’s whole life insurance is designed to provide lifetime insurance coverage and build cash value that can be accessed in several ways. You can choose how long you’ll pay fixed premiums for coverage, and United’s limited pay whole life policies allow you to pay for the entire policy in 20 years. The company’s website doesn’t provide details about available face amounts or age limits, so you’ll need to contact an agent for additional information.
United Insurance Company of America also provides term life policies, which are designed to protect your family during a period of financial obligation, such as while you are paying off your mortgage or saving for your child’s education. Term life insurance comes in terms of 10, 20, or 30 years and offers fixed premiums that are more affordable than whole life insurance.
United notes that there are variations on each type of life insurance product, and a home service agent can help you decide which is best for you. Unlike many other companies, United does not offer online quotes for term life insurance. You should also note that not every product will be available in all states.
United also underwrites Medicare supplement plans for Kemper. These are designed to cover health needs that Medicare does not. You can renew the policy for life, and in most states, you’ll save if you’re a non-smoker.
United Insurance Company of America also offers an accidental death and dismemberment policy, but details aren’t available online.
Kemper Corporation also offers several other insurance products that are not underwritten by United, such as vehicle and other property and casualty insurance policies. You can read our full Kemper auto insurance review for more information on the company’s car insurance policies.
How does United Insurance Company of America work?
United Insurance Company of America sells insurance across the nation through its network of agents under its parent company, Kemper. Although some insurance companies allow you to get a quote and apply for a policy online, you’ll need to speak with an agent at an insurance agency to get details and pricing estimates and apply for a policy from Kemper.
There are also few online tools to manage your policy once you become a policyholder. Claims can be submitted by email or snail mail, but not online through your account. And although Kemper has many forms available for download on the website, you won’t be able to make policy changes directly through the website. You'll need to use Kemper's contact information instead.
Although United Insurance Company of America is licensed to sell insurance in all states, only some states contain local district offices. You’ll need to call Kemper’s customer service line to be connected with an agent who can help you choose a policy.
What people are saying about United Insurance Company of America
United Insurance Company of America received an A (Excellent) financial strength rating from AM Best in 2021. Typically, any insurance company with a score in the “A” bracket can be considered very reliable when it comes to having the financial footing to pay claims. Although this rating bodes well for the company, indicators of customer satisfaction are less favorable.
Most reviews of Kemper with the Better Business Bureau (BBB) are negative, though these are related to the company’s auto insurance products. But the National Association of Insurance Commissioner’s complaint index showed similar frustrations surrounding United Insurance Company’s life insurance products. The company had a complaint index of 7.59 for individual life insurance in 2020, indicating nearly eight times the number of complaints expected given the company’s size.
How to contact United Insurance Company of America
To reach United Insurance Co. of America, you can either contact your local district office or call its phone number at 1-800-777-8467. If you need to file an insurance claim, you can send a claim form to firstname.lastname@example.org or mail it to the home office address below:
Kemper Home Service Companies
12115 Lackland Road
St. Louis, MO, 63146
FAQs about United Insurance Company of America
Is United Insurance Company of America a legit company?
Yes. United Insurance Company of America has been around for more than a century and has an excellent financial strength rating with AM Best.
What kind of insurance does United Insurance Company offer?
United Insurance Company of America offers whole life, term life, accident, and Medicare supplement insurance across the U.S.
Is Kemper a good company?
Kemper is one of the largest 100 insurance companies in the U.S. and has an A (Excellent) financial strength rating from AM Best. The company offers vehicle, property, life, and health insurance to meet a variety of needs. However, Kemper has a high number of complaints with the NAIC relative to its size, and customer service reviews on third-party sites tend to be negative.
How to get started with United Insurance Company of America
United’s life and health insurance policies are sold through a network of insurance agents, so you won’t be able to get details or apply for a policy online. To get started with United Insurance Company, you’ll need to call 1-800-777-8467 or contact your local district office. You may need to have certain health information on hand to apply for life insurance, such as your prescription medications, family medical history, current health conditions, and any past surgeries.
United Insurance Company of America is a financially strong insurance provider of life and health insurance with a long history, but complaints and customer service reviews about the company are concerning. Even if you are able to get a low premium from Kemper, you should explore other companies and compare quotes. If United Insurance Company of America doesn’t sound like the right fit for your life insurance needs, check out our list of the best life insurance companies.