United Insurance Company of America Review [2023]

United Insurance Company of America is a St. Louis, Missouri-based life insurance company that provides life insurance and several other insurance products under its parent company, Kemper Corporation. It may be challenging to find affordable United Insurance Company of America quotes since its rates are private. Despite its privacy, United Insurance Company of America has an "A-" rating at AM Best.

UPDATED: May 1, 2023Fact Checked

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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

UPDATED: May 1, 2023

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.

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: May 1, 2023

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: May 1, 2023Fact Checked
3.8
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United Insurance Company of America

Average monthly rate for good drivers:

N/A

A.M. Best rating:

NR

Complaint level:

Low

Pros

  • 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.

The Bottom Line

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.

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.

Is United Insurance a Good Choice?

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.

United Insurance Company of America is not associated with United Insurance Group.

United Insurance Company of America Statistics Overview
United Insurance Company of America SummaryStats
Company NameUnited Insurance Company of America
Parent CompanyKemper Corporation (Kemper Life)
Headquarters12115 Lackland Road
St. Louis, MO 63146
Direct Premiums Written$168,303,867
A.M. BestA-
NAIC Complaint Index5.71
Best ForLife 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.

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 [email protected] 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 AgencyRatings and Other Stats
J.D. Power4 out of 5 (better than most)
NAIC Complaint Index5.71
Better Business BureauA+
A.M. BestA-
S&PBBB
Moody’sBaa3

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.

United Insurance Rates

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.

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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.

Frequently Asked Questions

What types of insurance products does United Insurance Company of America offer?

United Insurance Company of America provides life insurance and health insurance products under its parent company, Kemper Corporation.

How can I get a quote for United Insurance Company of America?

Since United Insurance Company of America’s rates are private, you need to contact an agent working for the company to get a quote. You can also use the free online quote tool by entering your ZIP code to compare life insurance coverage in your area.

Where is United Insurance Company of America located?

The United Insurance Company of America is located in St. Louis, Missouri, and has about 2,600 employees across the nation.

What is the financial rating of United Insurance Company of America?

United Insurance Company of America has an “A-” rating from AM Best and shares its rating with its parent company, Kemper Corporation. However, S&P and Moody’s ratings say the company has an excellent financial outlook but carries a susceptible credit risk to customers.

How can I file a life insurance claim with United Insurance Company of America?

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 file a life insurance claim, contact the United Insurance Company of America customer service phone number at 1-800-777-8467, and you can file a claim by downloading and printing a Claimant Statement.

Compare Insurance Providers Rates to Save Up to 75%

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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.

Reviews
for United Insurance

3.79 (30 reviews)
2
December 17, 2020

anna_williams

be more engaging with your clients

it wasn't one of my favourite experinces due to lack of personal touch from the company and its agents it felt like i'm signed up with a robot and not a human company , and the fees where higher than other companies .
4
December 21, 2018

Sterkzz

Quality Inexpensive Coverage for all who need some insurance

Pretty good overall always there when i need them and the payments are not horrible. Quality inexpensive coverage
5
July 25, 2018

Hailiek

Amazing service always helpful

So far so good, never had any claims. A lot of family has been with this insurance company and has also had no problems.
2
May 26, 2018

davidjunior18

worst claim

One of the worst insurance companies to handle a claims, they take forever to answer the phone and do not return calls and. Anyone insure with this company should cancel their policy ASAP, it is a waste of money when you need them they will not be there for you; or they will find the way to fix it the cheapest way possible.
4
October 3, 2017

effierose1

Automotive

its pretty good. i like it a lot. it really gets the job done. its a good plan with good coverage
4
August 10, 2017

RaoAr

United insurance

Extremely satisfied with teh rates that is being offered. Very good customer service and very prompt in all the reminders
5
August 9, 2017

CeeCee60

Best Insurance in Utah

They have always been polite and quick to respond to claims; they are conviently close to my home which I much appreciate.
4
July 23, 2017

qpalzm8

Good but...

Insurance is always nice, however, in some situations, the amount of hassle you need to go through to talk and change info with a representative is a bit too much.
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