United American Health insurance

What United American Health insurance does

United American Insurance Company is a Texas-based insurance carrier founded in 1947 and operating as a wholly-owned subsidiary of Globe Life Inc. The company underwrites and distributes Medicare Supplement, whole life, cancer and critical illness, accident, and group retiree health insurance products to individual consumers, employer and union group sponsors, and Medicare beneficiaries across the United States. The company's core technology footprint consists of policy administration and claims processing systems, complemented by a customer self-service portal and an eProvider Center that integrates with CAQH.org for electronic remittance advice and funds transfer. United American generates revenue through recurring subscription-style insurance premiums across its four product lines, quoting coverage on an individual, state-regulated basis without publicly disclosed pricing. Sales are conducted primarily through thousands of independent licensed agents and agencies, supported by direct telephone customer service for agents, policyholders, and group insurance inquiries. The company's competitive positioning centers on its 75-plus-year operating history, its participation in NAIC Medicare Supplement policy task forces since 1966, and a stated commitment to licensed-agent service over automated or AI-driven channels.

Name

United American Health insurance

Legal name

United American Insurance Company

Website

https://www2.unitedamerican.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

United American Insurance Company underwrites and distributes Medicare Supplement, whole life, supplemental health, and group retiree health insurance across the United States through thousands of independent licensed agents, operating as a subsidiary of Globe Life Inc.

Ownership category

akta.pro rank

Product category

Medicare Supplement and Supplemental Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Medicare Supplement (Medigap) (FSAIAEAG)

akta.pro secondary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Medicare supplement insurance
• Whole life insurance
• Supplemental health insurance
• Group retiree health coverage
• Individual insurance coverage

Headquarters

HQ city

Mckinney

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Medicare Supplement Insurance Premiums: Recurring premium payments from Medicare Supplement insurance policies that help cover out-of-pocket costs not covered by Medicare Part A and Part B.
2. Life Insurance Premiums: Whole life insurance premium payments providing coverage to meet family financial protection needs.
3. Supplemental Health Insurance Premiums: Cancer, critical illness, and accident insurance premium payments for supplemental health coverage.
4. Group Retiree Health Insurance Premiums: Premium payments from employer and union group sponsors for retiree health coverage supplemental to Medicare.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

United American Insurance Company underwrites and sells Medicare Supplement insurance policies that cover out-of-pocket costs not paid by Medicare Part A and Part B. The company also offers whole life insurance for family financial protection, supplemental health insurance covering cancer, critical illness, and accidents, and group retiree health insurance for employer and union sponsors. Products are distributed through licensed independent agents and agencies across the United States, with online policy management and an eProvider Center for healthcare providers.

Product overview

United American Insurance Company offers a portfolio of insurance products centered on Medicare Supplement policies (its flagship offering since 1966), supplemented by whole life insurance, cancer and critical illness insurance, and accident insurance for individuals. For group coverage, the company provides retiree health insurance plans for employers and unions. The company operates through licensed agents and maintains online service platforms including an eProvider Center for healthcare providers and a customer portal for policyholders to manage claims and payments. All products are offered through its parent company Globe Life Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplement Insurance Policies Medicare Supplement insurance policies regulated by State Departments of Insurance that help pay for out-of-pocket costs not covered by Medicare Part A and Part B. Offered to Medicare beneficiaries through licensed independent agents and agencies.
• Life Insurance (Whole Life) Whole life insurance policies designed to help meet family financial protection needs, underwritten by United American and sold through independent licensed agents.
• Cancer & Critical Illness Insurance Supplemental health insurance providing coverage for cancer and critical illness, protecting against unexpected medical costs not covered by standard health insurance. Sold through independent licensed agents.
• Accident Insurance Supplemental health insurance covering accident-related medical expenses. Sold through independent licensed agents.
• Group Retiree Health Insurance Group insurance products for employers and union sponsors to provide retiree health coverage supplemental to Medicare, offered through United American for 30 years.
• eProvider Center Online portal for healthcare providers to enroll for electronic ERAs (Electronic Remittance Advice) and EFT (Electronic Funds Transfer) payments, integrated with CAQH.org as the enrollment partner.
• Customer Online Portal Policyholder self-service portal for managing insurance claims, making payments, updating personal information, and tracking claim status.

Quantifiable outcome

• $475,926,450 in claims paid in 2025

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• CAQH.orgcoreTechnology or IntegrationCAQH.org serves as the enrollment partner for United American's eProvider Center, enabling healthcare providers to enroll and receive electronic ERA (Electronic Remittance Advice) and EFT (Electronic Funds Transfer) payments. This partnership facilitates paperless transactions between United American and medical providers.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Mutual of Omaha: One of the largest and oldest Medicare Supplement insurers in the US, competing head-to-head with United American for the same senior Medigap buyer through similar agent-driven distribution. Highly comparable flagship product line and target customer.
• Cigna: Major Medicare Supplement carrier offering standardized Medigap plans nationally. Competes directly with United American in the same product category, including agent and direct channels.
• Aetna (CVS Health): Offers Medicare Supplement insurance products alongside its broader Medicare Advantage portfolio. Directly competes for the same Medigap customers as United American.
• Humana: A leading Medicare-focused insurer with significant Medicare Supplement and Medicare Advantage exposure. Targets the same senior demographic and overlaps with United American's Medigap offerings.

Broad incumbents

• UnitedHealthcare: Largest US health insurer, sells Medicare Supplement plans (notably through the AARP partnership) and competes broadly with United American for senior customers across the Medicare ecosystem.
• Blue Cross Blue Shield Association: National federation of plans offering Medicare Supplement products through regional Blue affiliates. Competes with United American in Medigap across most US states.
• Anthem (Elevance Health): Operates multiple Blue-branded plans that offer Medicare Supplement coverage alongside broader health insurance products, competing with United American in Medigap.
• Lincoln Financial Group: Large insurance carrier offering life insurance and supplemental health products. Comparable to United American's life and supplemental health product lines rather than its Medigap core.

Others

• Globe Life Inc. Public parent company of United American Insurance Company. While not a competitor, it provides direct comparability on consolidated insurance economics, capital structure, and underwriting performance benchmarks.

Regional players

• Globe Life Direct (Torchmark subsidiaries): Sister subsidiaries under Globe Life Inc. that sell life and supplemental health insurance with overlapping customer segments. Useful as an internal corporate comparable rather than a market competitor.

Market position

Strengths5 records

Weaknesses3 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/united_american
• Facebookfacebook.com/unitedamerican
• LinkedInlinkedin.com/company/united-american-insurance
• Instagraminstagram.com/unitedamerican/?hl=en

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United American Health insurance