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 on Help Smart Phone and MEL Magazine.

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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, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Company Details
President: James Patrick Rousey
Address: 5250 South Sixth Street P O Box 5147
City: Springfield
State: IL
ZIP Code: 62703
Phone Number: 877-881-1777
Toll Free: (877) 881-1777
Year Founded: 1966
Market Cap: $7,717,893
Company Rating 0 (1 review)

Types of Insurance Offered

Universal Guaranty Life Insurance Company is a small company located in Springfield, IL. It’s a subsidiary of UTG Insurance and provides life insurance, health insurance, and annuity. Universal Guaranty life insurance is available in 37 states, but Universal Guaranty Life Insurance Company rates aren’t available online.

However, it doesn’t mean you can learn more about the company. Use this guide to get more information about Universal Guaranty Life Insurance Company and compare multiple companies in your local area.

Whether or not you buy Universal Guaranty Life Insurance Company life insurance in the end, you should always compare rates. Enter your ZIP code in our FREE comparison to compare rates now.

About Universal Guaranty Life Insurance Company

Universal Guaranty Life Insurance Company is a UTG Insurance subsidiary—a company with holdings in Cumberland Woodlands, LLC, and Stanford Wilderness Road, LLC.

Universal Guaranty Life Insurance Company started in Columbus, Ohio, in 1966. Since 1984, UTG Insurance has made several milestones with life insurance despite its small size. After 2005, Universal Guaranty Life Insurance stopped participating in A. M. Best ratings. However, the company is still in business across the United States.

Under the UTG parent company name, Universal Guaranty is involved in many community charitable efforts.

Availability by State

You can find Universal Guaranty Insurance in 37 states. These are the states where coverage is not available:

  • New York
  • Michigan
  • California
  • Wyoming
  • Hawaii
  • New Jersey
  • Maine
  • Connecticut
  • Florida
  • Vermont
  • Maryland
  • New Hampshire
  • Alaska

You may not be able to get an affordable Universal Guaranty Life Insurance Company policy in these states, but you can still get the best rates. Compare life insurance companies in your area by using our FREE online tool.

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Universal Guaranty Life Insurance Products and Rates

You can get life insurance from Universal Guaranty, but you can also buy health insurance and annuity. There aren’t any signs that you can purchase car insurance or any other insurance products from Universal Guaranty.

https://www.youtube.com/embed/aiTKSpMvCpc
The way to get a quote from Universal Guaranty Life Insurance Company is to contact them directly. You can reach Universal Guaranty customer service at 1-800-323-0050, or you contact them by email at [email protected].

Universal Guaranty Life Insurance Claims and Customer Service

Do you need to file an insurance claim with Universal Guaranty? Here are the steps you’ll need to take to file a claim.

  • Have information about your original policy.
  • Be prepared to present a certified death certificate of the insured.
  • You must complete a claimant statement. Ensure that the beneficiary signs it and ensure a Notary Official has witnessed it.
  • Present an obituary or newspaper clipping.
  • If a beneficiary has passed away, present a death certificate.
  • Any benefits assigned to the funeral home must include the funeral home’s FEIN. A Notary Official must be there to witness it.
  • You will need to fill out an indemnification agreement if the beneficiary has been appointed as head of the estate and if the estate has closed.

If you need to make a Universal Guaranty Life Insurance claim, you’ll need to contact customer service by phone or email to file a claim. The UTG Insurance website has a few forms you can download that may speed up the claims process but there is no Universal Guaranty Life Insurance Company login. Your best bet is to try the Universal Guaranty Life Insurance Company phone number listed above. Contact Universal Guaranty claims by email at [email protected].

Universal Guaranty Life Insurance Company Reviews

We searched everywhere for reviews, but Universal Guaranty had little to show. However, we managed to come up with details about the company you might find interesting. Examine this data table to see how Universal Guaranty Life Insurance Company is performing.

Universal Guaranty Life Insurance Company Overview
SummaryStats
Better Business BureauA+ (not accredited)
NAIC Complaint Index15.68 (higher than average)
Number of Employees 1 to 50 (Reported by Glassdoor)
Glassdoor Workplace Rating5 stars
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Under the Better Business Bureau, Universal Guaranty has one complaint from February 2018. Overall, it has maintained an A+ rating.

However, the National Association of Insurance Commissioners (NAIC) reports something different. The NAIC has a customer review rating called the Complaint Index—which measures the average rate of complaints about an insurance company. The average rate of complaints is one to 1.15. Universal Guaranty Life Insurance Company has a complaint index of 15.89.

But how is Universal Guaranty as a place to work? Glassdoor rated the company with five stars, the highest rating on the website. Take it with a grain of salt, though. There aren’t many reviews on Universal Guaranty, so it’s wise not to gauge the company on just one review.

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Universal Guaranty Life Insurance: The Bottom Line

It isn’t easy to choose an insurance company with so little to go on. Universal Guaranty Life Insurance has private insurance rates, and the only way to get them is to contact them directly or one of its agents. Even health insurance is under lock and key, where you have to contact them to get a quote for insurance.

But we’ve made it easy for you. Although you can’t get Universal Guaranty Life Insurance Company quotes online, we can help you compare rates from top companies. All you have to do is enter your ZIP code in the FREE comparison tool below and compare multiple companies in your area.

Universal Guaranty Life Insurance Company Additional Information

Universal Guaranty Life Insurance Company is a Stock company that was incorporated in 1966. Universal Guaranty Life Insurance Company is a Life insurance company and has assets of 256,889,661, capital of $2,000,000, and net surplus of $25,483,161.

The president of Universal Guaranty Life Insurance Company is James Patrick Rousey, the treasurer is , and the secretary is . Universal Guaranty Life Insurance Company insurance plans include
health, and life.

Universal Guaranty Life Insurance Company is located in Springfield, IL and the phone number for Universal Guaranty Life Insurance Company claims, customer, service, and additional information is 877-881-1777.

Universal Guaranty Life Insurance Company Insurance Quotes

If you already have Universal Guaranty Life Insurance Company insurance quotes then be sure that you compare your quoted Universal Guaranty Life Insurance Company insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!