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Amalgamated Life vs United Healthcare Insurance Company

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/insproviders-live/ca745a12-daniel-walker.png

UPDATED: Mar 19, 2020

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One of the better life insurance providers in the US, Amalgamated Life Insurance offers top rated products and services to anyone seeking to protect and care for their loved ones in the event of their passing.

Amalgamated has a long history of good service and has been tried and tested over the decades with many thousands of customers. While life insurance isn’t a requirement, for many people it just makes good sense.

To compare life insurance policies go to the FREE quotes tool and input your local ZIP now!

While Amalgamated Life Insurance is a key player in the world of life insurance policies, there are other options that you can choose from. One such option is the United Healthcare Insurance Company.

United Healthcare has been in business for awhile too, and it also offers high-quality insurance solutions. Since the focus of United Health is markedly different from that of Amalgamated Life, it is important to compare the two to help you get a better sense for each one.

For younger individuals life insurance can be incredibly inexpensive but, if an accident happens, they know that their loved ones will be compensated. Read an article here in Kiplinger’s about great financial moves for folks in this youthful age range.

For older customers, life insurance is a way to help make sure that their passing is not financially devastating for family members. What follows is a detailed description of services and insurance products offered by Amalgamated Life and United Healthcare.

Amalgamated Life Products and Services

Specializing in affordable insurance and benefits to working-class individuals, Amalgamated Life Insurance offers a variety of different types of insurance coverage related to life insurance. These programs include:

  • Standard life insurance
  • Disability insurance
  • Accidental death/dismemberment insurance
  • Medical stop loss insurance
  • Other voluntary insurance products

We will take a look at each of these types of insurance offered by Amalgamated.

Amalgamated is known for its life insurance group policies, and it has a wide variety of options to choose from.

Whether it is being purchased in a group for workers like a union, or whether an individual is choosing from these types of life insurance, Amalgamated has what many people need.

  • Standard Life: Standard life insurance provides financial security for a worker’s family upon death. Any dependents of the worker are also covered by standard life insurance. Go here to read Money Crasher’s blog on life insurance and who needs it.
  • Amalgamated Life versus United Healthcare LifeDependent Life: Dependent life insurance is an add-on and will cover payments for the deaths of the insurance beneficiary’s spouse or child. Spouses are covered up to $100,000 with Amalgamated, while children are covered for up to $4,000.
  • Retiree Life: If a retiree is buying an Amalgamated life insurance policy, he or she may choose to receive additional coverage for various types of hospital bills such as end-of-life care or other elderly-specific issues.
  • Supplemental Life: Supplemental insurance may help beneficiaries if the standard life insurance policy runs out. Supplemental insurance can be used to pay off debts or maintain a certain standard of living for beneficiaries of a life insurance policy. It is most commonly offered as part of a group term life insurance policy.

In addition to life insurance, certain types of health insurance and workers’ compensation type products are also offered by Amalgamated. Read on to learn about them.

Accidental Death/Dismemberment Insurance

This additional featured program from Amalgamated is not available in every state. However, where it is available, it helps to cover the cost of accidental injuries, paralysis or the onset of other unexpected debilitating conditions.

Things covered by the policy include hospital bills, treatment costs and, if the condition is fatal, funeral costs. It is available both as a form of worker’s comp and as a standard accident insurance policy. Accidental death/dismemberment insurance is only available to members of group term life, however.

Amalgamated Life versus United Healthcare Insurance

Medical Stop-Loss Insurance

Amalgamated offers two forms of stop-loss insurance: specific and aggregate. Used for group life insurance policies, this coverage is meant to make sure that an employer who offers the life insurance policies is not affected by excessive expenditures by people under the policy.

Specific stop-loss is targeted to cover the effects of individual excess medical and funeral spending, whereas aggregate stop-loss covers the entire group’s excess expenditures. Amalgamated stop-loss insurance may not be available in every state.

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Disability Insurance

This type of policy protects individuals from financial insecurity due to the unexpected onset of a disability.

Amalgamated offers both short-term disability protection to cover accidents, sudden illness or pregnancy expenses and long-term disability protection to cover expenses over a greater period of time.

Disability insurance may not be available in all states. Other products offer additional financial security on top of standard life insurance. They include Workers Life Plus, Workers Life Level, Critical Illness Protection, Disability Cover and an Employee Life Option. They can be used with pay or waiver of premium options, accidental death benefit options and children’s term benefit options.

United Healthcare Products and Services

On the other hand, United Healthcare offers a variety of health coverage options and a few life insurance choices. This provider is especially useful for people seeking an individual health insurance plan. Health insurance plans include:

  • Amalgamated Life vs United Healthcare Life Insurance ProvidersHMO plans
  • PPO plans
  • HSA options
  • Preventative care plans

HMO and PPO plans tend to offer similar benefits, which include paying for emergency care as well as routine checkups and mandatory screening procedures. Depending on where you live, United Healthcare may offer one type of health insurance plan or the other. Like Amalgamated, United Healthcare services tend to vary widely from state to state. However, United Healthcare has a presence in nearly every state, and it is accessible to all.

Meanwhile, HSAs (health savings accounts) are useful in that they provide an account for individuals to choose how they spend their money. Individuals can spend money on eye specialists, foot specialists, skin specialists or more, depending on what is necessary for their health. The United Healthcare preventative care plans are also useful, though they cover a different area than life insurance. Whereas life insurance assures a lump sum payment if the unthinkable does happen, preventative care helps to protect individuals from losing their health in the first place.

Life insurance offered by United Healthcare offers some of the same basic options as Amalgamated, under the United Healthcare Specialty Benefits program.

Theirs is also a term life policy as neither provider reviewed here offers whole or permanent life policies. Their options include:

  • Basic term life policy
  • Supplemental life insurance coverage
  • Accidental Death and Dismemberment

While it’s clear that Amalgamated is more specialized in life insurance coverage than United Health, it does not mean their products are right for everyone. When one compares the two above insurance services, one gets the sense that either one is at the top of its game for its market. Amalgamated Life Insurance versus the United Healthcare Company

Amalgamated Life Insurance primarily offers group services to companies and unions to help protect employees and family members in the event of death or serious debilitation, and United Healthcare focuses on individual insurance plans to pay to keep individuals in optimal health. For some, bundling this with United Health’s term life might make sense.

You can compare insurance companies by using the tool provided on this page. This app takes quotes from different insurance companies like Amalgamated and United, and it compares them side by side so you can choose the one whose rates and benefits are most acceptable to you and your family.

Try it out today by putting your ZIP code here and getting FREE rate quotes on the policy you need, now!

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