United Insurance Company of America Review [2024]
Explore an in-depth review of United Insurance Company of America, uncovering its products, affiliations, and customer experiences.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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United Insurance Company of America
Average Monthly Rate For Good Drivers
$114A.M. Best Rating:
A-Complaint Level:
LowPros
- Provides life insurance and health insurance products.
- Has an “A-” rating from AM Best.
- Shares its rating with its parent company, Kemper Corporation.
Cons
- Rates are private, and you need to contact an agent to get a quote.
- S&P and Moody’s ratings say the company has a susceptible credit risk to customers.
If you were looking for a reliable United Insurance Company of America review, you found it. We have everything you need to know about the United Insurance Company of America, what products it provides, and where you can find the company online. But are all life insurance policies the same?
You may be close to a United Insurance Company of America home office. Enter your ZIP code in the free online quote tool above to compare life insurance coverage in your area.
What You Should Know About United Insurance
United Insurance Company of America is a life insurance company located in St. Louis, MO. According to Business Wire, the United Insurance Company of America was bought by Kemper Corporation sometime in April 2015. Today, the United Insurance Company of America life insurance underwrites for Kemper Life. (For more information, read our “Kemper Corporation Insurance Review“).
United Insurance Company of America is not associated with United Insurance Group.
United Insurance Company of America Statistics Overview
| United Insurance Company of America Summary | Stats |
|---|---|
| Company Name | United Insurance Company of America |
| Parent Company | Kemper Corporation (Kemper Life) |
| Headquarters | 12115 Lackland Road St. Louis, MO 63146 |
| Direct Premiums Written | $168,303,867 |
| A.M. Best | A- |
| NAIC Complaint Index | 5.71 |
| Best For | Life Insurance |
Kemper Life and United Insurance Company of America breaks down what type of life insurance they offer. Ask them about whole life insurance or term life insurance. They also offer health insurance.
United Insurance Company of America has about 2,600 employees across the nation and has about 424 other companies within its corporate business family. You can find the United Insurance Company of America’s home office at 12115 Lackland Road, St. Louis, MO 63146.
United Insurance Company of America Website
You won’t find the United Insurance Company of America’s website. However, the United Insurance Company of America and Kemper Life share the same website, which is www.kemper.com.
You can create a Kemper customer profile on the website login, explore insurance options, learn more about Kemper, find the United Insurance Company of America phone number, and report a claim.
Explore other life and health insurance companies in your area. Just enter your ZIP code to get started.
Read more: Kemper Auto Insurance Review
United Insurance Company of America Life Insurance Claims
If you have a life insurance policy with Kemper or United Insurance Company of America, you can report claims to either one of these affiliates to report your life insurance claim:
- Kemper Home Service Companies
- United Insurance Company of America
- Reliable Life Insurance
- Union National Life Insurance
- Mutual Savings Life Insurance
- Reserve National
To file a life insurance claim, contact the United Insurance Company of America customer service phone number at 1-800-777-8467. This is Kemper Life’s customer service contact number, also. All affiliates of Kemper Life will use the same phone number, too.
You can file a Kemper Life or United Insurance Company of America life insurance claim by downloading and printing a Claimant Statement. If you’re a funding company or a funeral home, you’ll have to download and print the Life Claim Benefit Verification Request form.
Kemper Life allows claims to be sent by email. Any documents you want to send online must be sent to the Document Research at lifm28@kemper.com. If you don’t have access to the internet, you can send requests and statements to the United Insurance Company of America address for claims:
Kemper Home Service Companies
Life Claims
12115 Lackland Road
St. Louis, MO 63146
Also, you can fax the Claimant Statement and Life Claim Benefit Verification Request to 1-866-341-6992 and 1-866-634-6992.
United Insurance Company of America Reviews
If you’re not sure about United Insurance Company of America reviews, look toward the financial strength and customer ratings. These ratings are carefully researched by monitoring a company’s financial standing and how customers feel about it.
Kemper Corporation shares its “A-” rating with the United Insurance Company of America.
So, where does the United Insurance Company of America stand? Let’s review the United Insurance Company of America’s ratings.
United Insurance Company of America Financial Strength and Customer Satisfaction Ratings
| Rating Agency | Ratings and Other Stats |
|---|---|
| J.D. Power | 4 out of 5 (better than most) |
| NAIC Complaint Index | 5.71 |
| Better Business Bureau | A+ |
| A.M. Best | A- |
| S&P | BBB |
| Moody’s | Baa3 |
J.D. Power has rated United Insurance Company of America (Kemper Corporation) as better than most. The NAIC Complaint index shows the rate of complaints, which is nearly six times the average ratio of complaints.
The Better Business Bureau (BBB) has a straightforward rating, which says the company has A+ with consumers.
The financial outlook varies among financial strength agencies, however. According to A. M. Best, United Insurance Company of America (Kemper Corporation) has been rated an A-. The A- means United Insurance Company of America has a stable financial outlook.
However, S&P and Moody’s ratings say the company has an excellent financial outlook but carries a susceptible credit risk to customers. This may be an issue with the United Insurance Company of America paying out claims.
United Insurance Company of America Employee Reviews
According to Indeed, United Insurance Company of America has a 3.3-star rating, but Glassdoor reported a 2.6-star rating. United Insurance Company may not have performed well with employees, but it maintains a decent financial standing.
The best way to get more information on how to buy United Insurance Company of America quotes is to contact the company directly or contact Kemper.
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United Insurance Coverage Options
United Insurance Company of America is a subsidiary of Kemper Corporation. Kemper provides:
- auto insurance
- commercial auto insurance
- boat insurance
- home insurance
- renters insurance
- condo insurance
- life insurance
United Insurance Company of America underwrites Kemper’s life insurance policies. In other words, United Insurance Company of America is a subsidiary of Kemper Corporation.
United Insurance Company of America: The Bottom Line
There are several United Insurance Company of America telephone numbers you can contact for more information. If you want direct United Insurance Company of America life insurance quotes from an agent, you can contact the United Insurance Company’s phone number.
We searched everywhere for United Insurance Company of America life insurance rates, but we couldn’t get a hold of them. Try grabbing a United Insurance Company of America life insurance estimate. They may have cheap life insurance quotes.
Make use of the United Insurance Company of America contact number at 1-800-777-8467. Kemper Life has locations all over the United States. United Insurance Company of America even has a location in Charlotte, NC.
If United Insurance Company of America quotes don’t interest you, enter your ZIP code in the free comparison tool to compare multiple companies in your local area.
United Insurance Rates Breakdown
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| Driver Profile | United Insurance | National Average |
|---|---|---|
| Clean Record | $88 | $119 |
| 1+ Ticket | $121 | $147 |
| 1+ Accident | $142 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $151 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
United Insurance Company of America rates are private, so you won’t know about its rates until you contact an agent working for the company. The best way to tell if an insurance company is affordable is to comparison shop.
Across the article, you’ve seen the free online quote tools. Use one of those tools by entering your ZIP code in the dialog box and compare companies in your area.
United Insurance Discounts Available
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| Discounts | United Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 14% |
| Low Mileage | 7% |
| Paperless | 10% |
| Safe Driver | 15% |
| Senior Driver | 10% |
United Insurance Company of America provides various discounts to help policyholders save on their insurance premiums. These discounts are designed to cater to different circumstances and policyholders’ specific needs. Understanding these discounts can assist individuals in maximizing their savings while ensuring comprehensive coverage.
- Multi-Policy Discount: Policyholders can save by bundling multiple insurance policies, such as life and health insurance, with United Insurance Company of America.
- Good Driver Discount: Safe drivers with a clean driving record may qualify for discounted rates on their insurance premiums.
- Homeowner Discount: If you own a home, you might be eligible for a discount on your insurance policy with United Insurance Company of America.
- Safety Features Discount: Vehicles equipped with safety features like anti-lock brakes, airbags, or anti-theft devices may qualify for lower premiums.
- Good Student Discount: Students who maintain good grades may be eligible for reduced rates on their insurance policies.
- Payment Discounts: Some discounts may apply for policyholders who opt for annual payments or automated billing methods.
- Loyalty Discount: Long-term customers or individuals with continuous coverage might receive discounts for their loyalty.
Understanding and availing yourself of these discounts can significantly impact the overall cost of insurance premiums while ensuring comprehensive coverage for your needs.
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How United Insurance Ranks Among Providers
Understanding a company’s competitors is crucial in assessing its position within the insurance market. United Insurance Company of America faces competition from several reputable insurance providers, each offering a range of products and services to cater to consumers’ insurance needs.
Here are some of United Insurance Company of America’s main competitors in the insurance industry:
- State Farm: Renowned for its extensive coverage options and personalized service, State Farm competes strongly in the life insurance sector, offering various policy types and excellent customer service.
- Allstate: Allstate is known for its diverse insurance offerings, including life insurance, and it stands out for its innovative coverage options and customer-focused approach.
- Prudential Financial: A major competitor in the life insurance sector, Prudential Financial offers a wide range of insurance and financial products, focusing on retirement solutions and investment-linked policies.
- MetLife: MetLife is a prominent insurance company offering life insurance products with a focus on group policies, retirement solutions, and various investment options.
- Nationwide: Nationwide provides comprehensive life insurance coverage options, including term and whole life policies, along with a strong emphasis on customer service and competitive rates.
Each of these competitors has its unique strengths, market positioning, and offerings tailored to meet different customer needs in the insurance industry.
Claims Process With United Insurance Company of America
Ease of Filing a Claim
United Insurance Company of America allows claim submissions through multiple channels, including online, over the phone, and via mobile apps, ensuring convenient access for customers.
Average Claim Processing Time
The average processing time for claims with United Insurance Company of America varies based on the type of claim and specific circumstances. Customers can expect timely processing, generally within a reasonable period.
Customer Feedback on Claim Resolutions and Payouts
Feedback on claim resolutions and payouts with United Insurance Company of America indicates positive experiences, highlighting their commitment to efficiently addressing customer needs.
Digital and Technological Features With United Insurance Company of America
Mobile App Features and Functionality
The company’s mobile app offers comprehensive features, facilitating policy management, claims tracking, and easy access to resources.
Online Account Management Capabilities
United Insurance Company of America provides robust online account management tools, enabling users to view policies, make payments, and update personal information seamlessly.
Digital Tools and Resources
The company offers a suite of digital tools and resources, including educational content, calculators, and FAQs, empowering customers with information and assistance.
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Frequently Asked Questions
What type of insurance products does United Insurance Company of America offer?
United Insurance Company of America primarily provides life insurance policies, including whole life insurance and term life insurance, alongside health insurance coverage.
How can I file a life insurance claim with United Insurance Company of America?
To file a life insurance claim with United Insurance Company of America, policyholders can contact the customer service phone number at 1-800-777-8467. Additionally, claims can be submitted by downloading and printing the necessary claim forms or by emailing the required documents to lifm28@kemper.com. Address for physical submissions is Kemper Home Service Companies, Life Claims, 12115 Lackland Road, St. Louis, MO 63146.
What are the financial ratings and customer satisfaction levels of United Insurance Company of America?
United Insurance Company of America holds an “A-” rating from A.M. Best, signifying a stable financial outlook. According to J.D. Power, it ranks better than most in customer satisfaction. The company maintains an A+ rating with the Better Business Bureau (BBB) and receives mixed employee ratings on platforms like Indeed and Glassdoor.
How can I access United Insurance Company of America’s website and customer services?
The company’s website is shared with Kemper Life and can be found at www.kemper.com. Customers can create a Kemper customer profile, explore insurance options, access contact information, and report claims through the website. Additionally, the customer service number is 1-800-777-8467 for inquiries.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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