UnionCare
Ullico Select is a digital insurance distribution platform that sells supplemental life, accident, health, and specialty insurance products exclusively to members of 13+ major U.S. labor unions and their families, underwritten by the 95-year-old Union Labor Life Insurance Company.
- Company typePrivate
- Founded1929
- HeadquartersLaurel, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What UnionCare does
UnionCare operates Ullico Select, a digital insurance distribution platform that sells supplemental life, accident, health, and property/casualty products exclusively to members of major U.S. labor unions and their families. The platform is delivered through a self-service web interface (app.ullicoselect.com) that enables quote and application completion in under 10 minutes, supplemented by dedicated union-specific landing pages and referrals from union halls and benefit communications. Underwriting for life insurance is provided by The Union Labor Life Insurance Company, a 95-year-old institution owned by organized labor; Ullico Select itself operates as a licensed insurance agency (Ullico Select, LLC) under parent Ullico.
The product portfolio is broad and organized into three layers. Core products include term, whole, guaranteed-whole (launched 2024), term-to-age 70/80/100, juvenile life, and accidental death and dismemberment up to $300,000. Supplemental accident and health offerings include Hospital Daily Benefits, Hospital Accident Care, Critical Illness, and a Labor Dispute Waiver of Premium during strikes or lockouts. Property, casualty, and lifestyle lines — home, auto, renters, classic car, motorcycle, RV, boat, umbrella, travel, disaster, pet, dental discount, and emergency assistance — are delivered through a network of specialist partners (Hagerty, Allianz, Roamly, Recoop, PetPartners, Careington, Emergency Assistance Plus).
Revenue is generated through recurring insurance premiums on in-house life and supplemental products plus commission and transaction fees on partner-mediated P&C, specialty, pet, disaster, and discount lines. Distribution combines union referral channels with direct online self-service, with eligibility formally extended to Friends and Family of union members. The company serves more than 13 major unions including the Teamsters, IBEW, ATU, SMART, LIUNA, BAC, Iron Workers, United Association, IUPAT, OPCMIA, Roofers, ILA, and Painters.
UnionCare firmographics
Firmographics- Name
- UnionCare
- Legal name
- Ullico Select, LLC
- Website
- https://ullicoselect.com
- Company type
- Private
- Founded year
- 1929
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Ullico Select is a digital insurance distribution platform that sells supplemental life, accident, health, and specialty insurance products exclusively to members of 13+ major U.S. labor unions and their families, underwritten by the 95-year-old Union Labor Life Insurance Company.
- Ownership category
- akta.pro rank
UnionCare industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Group Term Life Insurance (FSAIAAAJ)
- akta.pro secondary industries
- Group AD&D Insurance (Employer-Sponsored) (FSAIALAA), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Simplified Issue Whole Life / UL Insurance (FSAIABAH)
Keywords
Where UnionCare is headquartered
LocationHeadquarters
- HQ city
- Laurel
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
UnionCare business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Life Insurance Premiums: Recurring premium payments from term life, whole life, and guaranteed whole life insurance policies offered to union members and their families. Term life provides coverage for specific periods while whole life provides lifetime coverage with cash value accumulation.
- Accidental Death and Dismemberment Insurance: Premium revenue from AD&D policies providing up to $300,000 of 24-hour coverage for union members, with additional benefits for Common Carrier, At-Work and Motor Vehicle fatalities.
- Home and Auto Insurance: Commission-based revenue from home, auto, renters, and specialty insurance products (classic car, motorcycle, RV, boat, umbrella, travel) offered through partner carriers.
- Pet Insurance: Revenue from pet insurance policies underwritten by Independence American Insurance Company, offered to union members with 10% union select discount and 5% multi-pet discount.
- Hospital and Accident Insurance: Premium revenue from Hospital Daily Benefits Plans and Hospital Accident Care Insurance providing supplemental coverage for unexpected costs not covered by primary health insurance.
- Disaster Insurance: Revenue from Recoop Disaster Insurance providing cash up to $25,000 for covered disasters including hurricanes, wildfires, tornadoes, earthquakes, gas explosions, winter storms and dust storms.
- Discount Dental Plan: Discount program offering savings on dental procedures through Careington for eligible union members and their families.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Guaranteed Whole Life Insurance - $5,000 minimum coverage |
| Subscription | Monthly | Accidental Death and Dismemberment - Up to $300,000 coverage |
| Subscription | Monthly | Pet Insurance with Union Discount |
| Subscription | Monthly | Disaster Insurance - Up to $25,000 cash benefit |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
UnionCare product offering
Product offeringCore offering
UnionCare (operating as Ullico Select) distributes a portfolio of supplemental insurance products to U.S. labor union members and their families, including term and whole life insurance, accidental death and dismemberment, hospital and accident coverage, home, auto, renters, pet, and disaster insurance. Life insurance products are underwritten by The Union Labor Life Insurance Company, while home, auto, pet, and specialty lines are aggregated from third-party carriers and offered through the company's online platform and union-affiliated channels.
Product overview
Ullico Select is an insurance marketplace platform for union members, offering a comprehensive portfolio of insurance products underwritten by The Union Labor Life Insurance Company. The platform provides life insurance products (Term, Whole Life, Guaranteed Whole Life, Term to Age 70/80/100, and Juvenile life insurance), supplemental accident and health coverage (AD&D, Hospital Daily Benefits, Hospital Accident Care, Critical Illness), property and casualty insurance (Home, Auto, Renters, Disaster, Classic Car, Motorcycle, Boat, RV, Travel, Umbrella), and discount programs (Dental, Pet, Emergency Assistance). Products are available to union members and their families across 14+ major labor unions including IBEW, Teamsters, IUOE, and others. The platform leverages partnerships with specialized providers like PetPartners for pet insurance, Hagerty for classic cars, Allianz for travel, and Careington for dental discounts.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance (Term and Whole Life) Term and whole life insurance underwritten by The Union Labor Life Insurance Company for union members and their families. Includes renewable term (10/15/20-year), term-to-age 70, 80, and 100, and individual whole life coverage that builds cash value over time, with spouse coverage and living benefits available on certain term products.
- Guaranteed Whole Life Insurance Whole life insurance with guaranteed acceptance for union members and spouses ages 45-85, requiring no medical exams or health questions. Coverage starts at $5,000 with rates based on age at time of application and locked in for the life of the policy, subject to a 2-year limited death benefit period.
- Individual Juvenile Term Life Insurance Affordable life insurance for children of union members until age 25, convertible into whole life coverage for long-term financial foundation building.
- Accidental Death and Dismemberment Insurance AD&D coverage providing up to $300,000 of 24-hour worldwide coverage for eligible union members and spouses, with guaranteed acceptance and no medical exam required. Includes additional benefits for Common Carrier, At-Work, and Motor Vehicle fatalities.
- Home Insurance Homeowners and condo insurance providing protection for damages to home or personal property from covered causes of loss, including liability protection, sourced through partner carriers via the homeauto.ullicoselect.com quote platform.
- Auto Insurance Auto insurance sourced from multiple leading insurance companies, displayed via the Ullico Select quote aggregator at homeauto.ullicoselect.com.
- Renters Insurance Low-cost renters insurance providing protection for personal property and liability from covered losses and damages, sourced through partner carriers.
- Pet Insurance Pet insurance for cats and dogs administered by PetPartners, Inc. and underwritten by Independence American Insurance Company, offering 10% Union Select discount and 5% multi-pet discount. Pre-existing conditions may be covered after 365 days of continuous coverage.
- Recoop Disaster Insurance Disaster insurance providing up to $25,000 cash payout for covered disasters including hurricanes, wildfires, tornadoes, earthquakes, gas explosions, winter storms, and dust storms, to cover expenses that standard insurance may not address.
- Hospital Daily Benefits Plan Supplemental hospital coverage providing daily benefits paid directly to the policyholder for unexpected hospital costs not covered by primary health insurance plans.
- Hospital Accident Care Insurance Plan Accident coverage with both in-hospital and out-of-hospital benefits paid directly to the policyholder for covered accidents, designed to fill gaps in primary health insurance.
- Critical Illness Insurance Critical illness coverage providing a lump sum payment for expenses and medical bills, with HSA-compliant and cancer-only variants available.
- Discount Dental Plan Dental discount program offering savings on most dental procedures for eligible union members and their families through the Careington network.
- Classic Car Insurance Specialized collector vehicle insurance provided through Hagerty partnership, reflecting true value, limited use, and care invested in preserving classic cars.
- Travel Insurance Travel insurance through Allianz Travel Insurance providing benefits and coverage for leisure and business travelers.
- Boat Insurance Personal watercraft insurance against common perils such as theft and damage, sourced through partner carriers.
- Motorcycle Insurance Motorcycle insurance with competitive quotes obtained through a simple questionnaire, sourced through partner carriers.
- Umbrella Insurance Extra liability protection to help protect assets, sourced through partner carriers.
- RV Insurance RV insurance coverage provided through the Roamly partnership, designed by RV industry experts and RV owners.
- Travel Trailer Insurance Insurance for towed campers sourced through partner carriers.
- Emergency Assistance Plus Global emergency protection and medical assistance services for union members and their families when traveling.
Quantifiable outcome
- Apply for coverage in less than 10 minutes
- +4 more outcomes
Companies that use UnionCare
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
UnionCare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature3 records
UnionCare partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- PetPartnerscorePet insurance partnership offering affordable pet insurance to union members with a 10% Union Select discount and 5% multi-pet discount. Policies administered by PetPartners, Inc. and underwritten by Independence American Insurance Company (rated A- 'Excellent' by A.M. Best) and Independence Pet Insurance Company.
- CareingtonminorDiscount dental plan program providing savings on most dental procedures for eligible union members and their families through Careington's network.
- HagertyminorClassic car insurance partnership providing specialized coverage for collector vehicles with coverage designed to reflect true value, limited use, and care invested in preserving them.
- Allianz Travel InsuranceminorTravel insurance partnership providing benefits and coverage for leisure and business travelers through Allianz Travel Insurance plans.
- RoamlyminorRV insurance partnership providing specialized coverage for recreational vehicles created by experts in the industry.
- Recoop (Disaster Insurance)minorFirst-of-its-kind disaster insurance product protecting families' finances after covered disasters including hurricanes, wildfires, tornadoes, earthquakes, gas explosions, winter storms and dust storms. Provides up to $25,000 cash.
- Emergency Assistance PlusminorGlobal emergency protection and medical assistance services for union members and their families when traveling.
- Independence American Insurance CompanycoreUnderwriter for pet insurance products, rated A- 'Excellent' by A.M. Best. Partners with PetPartners to provide pet insurance coverage.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
UnionCare competitors and assessment
Company assessmentEmerging players
- Lemonade: Direct-to-consumer insurtech offering simplified digital life, pet, home, and auto insurance — competes for the same working-age consumer with a similar self-service digital experience, potentially drawing union members outside union channels.
- Ethos Life: Digital-first life insurtech offering simplified-issue term and whole life policies with no medical exam — directly competitive with Ullico Select's Guaranteed Whole Life underwriting and digital 10-minute application experience.
Broad incumbents
- Allstate: Major P&C insurer distributing home, auto, and specialty products (including through employer/affinity group channels) — overlapping with Ullico Select's home, auto, and specialty P&C offerings, though Ullico Select is purely an aggregator.
- The Hartford: Large incumbent carrier with a strong group benefits franchise (group life, disability, accident, critical illness) sold through employer and association partnerships — comparable group/employer-sponsored supplemental coverage portfolio at much larger scale.
- MetLife: Major incumbent life and group benefits carrier offering group and individual life, AD&D, disability, and supplemental products through employer, union, and association channels — overlapping with Ullico Select's core life and AD&D underwriting business.
- New York Life: Large mutual life insurer with extensive group/association life and supplemental coverage offerings — comparable mutual-owned structure and similar life and group benefits product set as Ullico Select's underwriting carrier.
Direct peers
- AFLAC: Leading provider of supplemental insurance (accident, hospital indemnity, critical illness, life) sold through worksite and association channels — directly comparable product mix to Ullico Select's AD&D, hospital, and critical illness offerings.
- Globe Life: Life insurance carrier specializing in simplified-issue whole life and term life distributed through direct-to-consumer and group/association channels, including to working-class households — comparable simplified-issue underwriting model and customer demographics to Ullico Select's Guaranteed Whole Life product.
- Union Plus: AFL-CIO affiliated benefits marketplace offering insurance, credit cards, and other financial products exclusively to union members — the closest direct competitor to Ullico Select's union-member distribution and supplemental insurance focus.
- Colonial Life: Unum subsidiary selling supplemental accident, disability, life, and critical illness insurance primarily through employer/worksite channels — overlapping with Ullico Select's employer-sponsored/union-channel supplemental insurance model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
UnionCare social profiles
Digital presenceUnionCare financial estimates
Financial estimateRevenue estimate
Valuation estimate
UnionCare leadership team
Management profileNumber of profiles
UnionCare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UnionCare M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UnionCare
What does UnionCare do?
UnionCare (operating as Ullico Select) distributes a portfolio of supplemental insurance products to U.S. labor union members and their families, including term and whole life insurance, accidental death and dismemberment, hospital and accident coverage, home, auto, renters, pet, and disaster insurance. Life insurance products are underwritten by The Union Labor Life Insurance Company, while home, auto, pet, and specialty lines are aggregated from third-party carriers and offered through the company's online platform and union-affiliated channels.
Is UnionCare a public or private company?
UnionCare is a private company. It is classified as corporate owned and is currently operating.
When was UnionCare founded?
UnionCare was founded in 1929. It employs 1 to 10 people.
Where is UnionCare based?
UnionCare is headquartered in Laurel, United States, in the North America region.
How does UnionCare make money?
Seven revenue lines are on record. Life Insurance Premiums are the primary driver. The others are accidental Death and Dismemberment Insurance, home and Auto Insurance, pet Insurance, hospital and Accident Insurance, disaster Insurance and discount Dental Plan.
Who are UnionCare's main competitors?
Emerging players on record are Lemonade and Ethos Life. Broad incumbents are Allstate, The Hartford, MetLife and New York Life. Direct peers are AFLAC, Globe Life, Union Plus and Colonial Life.
Does UnionCare have an API?
No public API is recorded for UnionCare.
What industry is UnionCare in?
UnionCare's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAAAJ, Group Term Life Insurance, with a secondary code of FSAIALAA, Group AD&D Insurance (Employer-Sponsored). Its NAICS code is 5242 and its SIC code is 6411.