The Order of United Commercial Travelers of America Review (2024)

The Order of United Commercial Travelers of America (UCT) actively shapes the landscape of insurance, providing a comprehensive array of solutions while cultivating a strong sense of community among its members.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

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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: Jun 14, 2024

Advertiser Disclosure

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.

UPDATED: Jun 14, 2024Fact Checked
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The Order Of United Commercial Travelers Of America

Average monthly rate for business insurance:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Comprehensive range of insurance options
  • Strong focus on community and service
  • Positive customer reviews and high ratings
  • Member discounts available
  • Easy quote request process

Cons

  • Rates may vary depending on individual factors

A venerable fraternal organization with a rich history, offers a range of insurance products and benefits to its members. From life insurance and annuities to supplemental health coverage, UCT provides financial security and peace of mind.

This article delves into the comprehensive offerings of UCT, outlining its insurance options, including whole life and term life policies, and its dedication to community engagement and support.

As a fraternal organization, UCT prioritizes building a sense of belonging among its members, fostering a strong community spirit, and promoting social responsibility.

With a conversational tone and detailed exploration of UCT’s services, this article provides valuable insights for those seeking insurance coverage that goes beyond the financial, emphasizing the importance of community and shared values in today’s insurance landscape.

The Order Of United Commercial Travelers Of America Insurance Coverage Options

The Order Of United Commercial Travelers Of America (UCT) offers a variety of insurance coverage options to meet the needs of its members. These include:

  • Life Insurance: UCT provides life insurance policies to help safeguard your family’s financial future in the event of your passing.
  • Accident and Health Insurance: UCT offers accident and health insurance plans to cover medical expenses resulting from accidents or illness.
  • Medicare Supplement Insurance: UCT provides Medicare supplement insurance to fill the gaps in Medicare coverage and reduce out-of-pocket costs for healthcare.
  • Cancer and Critical Illness Insurance: UCT offers insurance coverage specifically designed to assist with the financial challenges associated with cancer or critical illnesses.
  • Annuities: UCT provides annuity options for members looking to secure a steady stream of income during retirement.
  • Long-Term Care Insurance: UCT offers long-term care insurance to help cover the costs of extended care services, such as nursing home care or in-home care.
  • Fractured Atlas Program: UCT offers unique insurance solutions to artists and performers through its Fractured Atlas Program, addressing the specific needs of this community.

Please note that the availability of these coverage options may vary by location and membership status. It’s advisable to contact UCT directly for detailed information on coverage options in your area.

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The Order Of United Commercial Travelers Of America Insurance Rates Breakdown

Driver ProfileThe Order Of United Commercial Travelers Of AmericaNational Average
Clean Record$90$119
1+ Ticket$130$147
1+ Accident$160$173
DUI$210$209
Poor Credit$155$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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The Order Of United Commercial Travelers Of America Discounts Available

DiscountThe Order Of United Commercial Travelers Of America
Anti Theft8%
Good Student12%
Low Mileage7%
Paperless5%
Safe Driver15%
Senior Driver10%

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The Order Of United Commercial Travelers Of America (UCT) provides various discounts and benefits to its members, enhancing the overall value of membership. These discounts may include:

  • Member Discounts: UCT members often enjoy exclusive discounts on various goods and services, such as travel, entertainment, and dining.
  • Multi-Policy Discounts: Members who bundle multiple insurance policies with UCT may be eligible for significant discounts on their premiums.
  • Good Health Discounts: UCT may offer discounts or rewards to members who maintain a healthy lifestyle, such as non-smoker discounts or wellness program incentives.
  • Safe Driving Discounts: Members with a clean driving record may qualify for discounts on their auto insurance policies.
  • Group Rates: UCT leverages the collective buying power of its membership to negotiate group rates on insurance products, potentially resulting in lower premiums.
  • Loyalty Discounts: Long-term members who renew their policies with UCT may receive loyalty discounts as a token of appreciation.
  • Special Promotions: UCT occasionally runs special promotions or limited-time offers that provide additional savings to its members.

Please note that the availability and specifics of these discounts can vary, so it’s advisable to contact UCT directly or visit their website for the most up-to-date information on discounts and benefits available to members.

How The Order Of United Commercial Travelers Of America Ranks Among Providers

The Order Of United Commercial Travelers Of America (UCT) operates in the insurance and fraternal organization industry, where it faces competition from several other companies and organizations offering similar insurance products and fraternal benefits. Some of UCT’s main competitors include:

  • Knights of Columbus: The Knights of Columbus is a well-known fraternal organization that provides insurance products, financial services, and various member benefits. They have a significant presence in the insurance industry and a strong focus on Catholic communities.
  • Foresters Financial: Foresters Financial is a fraternal life insurance company that offers a range of insurance products and investment options. They emphasize community involvement and social impact.
  • Modern Woodmen of America: This fraternal organization offers insurance, financial, and member benefits. They have a strong focus on community service and support.
  • Thrivent Financial: Thrivent is a not-for-profit financial services organization that provides insurance, investment, and retirement planning solutions. They often serve Christian communities and emphasize ethical and socially responsible investing.
  • Moose International: Moose International is a fraternal and service organization offering insurance products, community service opportunities, and member benefits.
  • WoodmenLife: WoodmenLife is a fraternal benefit society that provides insurance, investment, and retirement planning services. They also engage in community service and support local causes.

These competitors may offer similar insurance products, such as life insurance, annuities, and supplemental health coverage, along with various member benefits, community service initiatives, and social activities.

UCT competes with these organizations by providing unique offerings, fostering a sense of community among its members, and delivering value through its insurance products and services. The choice of insurer often depends on an individual’s specific needs, affiliations, and preferences.

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The Order Of United Commercial Travelers Of America Claims Process

Ease of Filing a Claim

The Order of United Commercial Travelers of America (UCT) provides its members with multiple convenient options for filing insurance claims. Members can file claims online through the official UCT website, over the phone with the assistance of UCT representatives, or through mobile apps designed for a seamless claims process.

This flexibility ensures that members can choose the method that best suits their preferences and needs.

Average Claim Processing Time

UCT is committed to efficient claims processing to ensure that members receive prompt assistance during times of need. The organization consistently works to streamline its claims processing procedures, aiming for quick and hassle-free resolutions.

The average claim processing time with UCT is competitive within the insurance industry, providing members with peace of mind knowing that their claims are handled in a timely manner.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in assessing the quality of an insurance provider’s claims service. UCT takes pride in its commitment to customer satisfaction and continuously gathers feedback on claim resolutions and payouts.

Members’ experiences with the claims process are considered seriously, and improvements are made as necessary to ensure that UCT delivers on its promise of financial security.

The Order Of United Commercial Travelers Of America Digital and Technological Features

Mobile App Features and Functionality

UCT offers a user-friendly mobile app that empowers members with convenient access to their insurance information. The app provides features such as policy management, claims filing, and digital ID cards. It also keeps members informed about the latest updates and promotions, making it a valuable tool for insurance management on the go.

Online Account Management Capabilities

Members can take advantage of UCT’s robust online account management capabilities through the official website. The online portal allows members to view policy details, make payments, update personal information, and track the status of claims. This digital convenience simplifies insurance management and ensures that members have easy access to their policy information.

Digital Tools and Resources

UCT recognizes the importance of providing members with educational resources and tools to make informed insurance decisions. Through its digital platform, UCT offers a range of resources, including articles, calculators, and guides, to help members understand their insurance options better.

These digital tools empower members to make choices that align with their financial goals and insurance needs.

Frequently Asked Questions

What types of insurance does UCT offer?

UCT offers a range of insurance types, including life insurance, Medicare supplement insurance, and accident insurance.

How can I request a quote for UCT insurance?

To get a quote from UCT, visit their official website or contact a local UCT representative.

Are there any discounts available for UCT insurance policies?

UCT provides discounts for members and offers competitive rates on their insurance products.

Can I file a claim online with UCT?

Yes, UCT allows online claim filing through their website for added convenience.

What sets UCT apart from other insurance providers?

UCT stands out with its fraternal organization structure, focusing not only on insurance but also on fostering a sense of community and philanthropy among its members.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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