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United American Insurance Company Final Expense Review

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United American final expense whole life policies cover individuals ages 50-80. It is permanent life insurance designed to provide financial protection against end-of-life expenses. Coverage is available in level or graded plans, with death benefit amounts starting as low as $1,000 up to a maximum of $25,000. In addition, all plans accumulate guaranteed cash value growth.

United American Final Expense Highlights

Are you searching for an affordable final expense insurance policy from a reputable life insurance provider? United American, a subsidiary company of Globe Life, offers a suitable option for final expense life insurance coverage.

With death benefit amounts ranging from $1,000 to $25,000, you may be able to get life insurance coverage for less than $1 a day. In addition, when you purchase coverage with United American, your rates are fixed for life, and your death benefit will be paid out to your beneficiaries upon your death.

Final expense insurance helps give older individuals peace of mind knowing that their loved ones have financial protection to help cover their end-of-life expenses. Seniors often purchase final expense insurance to cover expenses, such as funeral costs and other small remaining debts.

The average funeral cost in the United States is nearly $8,000. The average American also has a debt of $90,000 which includes mortgage debt. With a final expense policy, the death benefit can often cover costs and debts that would otherwise be placed on your loved ones to worry about after your passing.

Although United American offers a solid final expense life insurance option we still recommend taking a close look at what the insurance provider can offer to determine if it’s the right fit for you.

This review examines every detail of United American’s final expense policy, including issue ages, available riders, underwriting requirements, and rates.

United American Insurance Company

United American Insurance Company was founded in 1947 and is a wholly-owned subsidiary of Globe Life. The insurance provider is licensed to offer its final expense insurance plans in 49 states, with its main headquarters in McKinney, Texas.

Globe Life is a publicly traded company listed on the New York Stock Exchange under the stock ticker GL. The company employs nearly 3000 employees and generates over $4 billion in revenue annually. AM Best also ranked Globe Life as the 65th top US insurer for 2021.

United American Insurance Company Ratings & Reviews

Financial ratings and customer reviews offer a lot of insight into an insurance company. Financial strength ratings are vital as they provide peace of mind knowing that the provider you choose to purchase your coverage can fulfill its financial obligations, such as paying out death benefit claims.

United American financial strength ratings are as follows:

  • AM Best: A (Excellent)
  • Fitch: A+ (Strong)
  • Standard & Poor’s: AA- (Very Strong)

In addition to strong financial strengths ratings, United American has also maintained an A+ rating from the Better Business Bureau (BBB), meaning that the insurance company has upheld the highest level of customer service. United American has been BBB accredited since 1952, providing reliable services to its customers for over 70 years. 

Another plus is the insurance provider’s low customer complaint score. The National Association of Insurance Commissioners NAIC scores United American Insurance Company at an 0.68 customer complaint rating. The industry average is 1.00, indicating that United American has a low number of customer complaints. 

United American Final Expense Life Insurance

United American final expense life insurance plans offer smaller coverage amounts as they are primarily intended to cover the cost of a funeral, burial, or any other final arrangements after your passing.

Suppose you are in your senior years and do not require a significant amount of life insurance coverage. In that case, United American final expense life insurance may offer the right option for those who want to cover their financial responsibilities and leave their beneficiaries with fewer burdens.

Some of the main features of United American final expense insurance include:

  • No medical exam required
  • Level and graded death benefit options 
  • Plans available for those with medical issues
  • Available for those between the ages of 50 and 80
  • Available in 49 states 

Applying for life insurance from United American is easy. However, there is more to the life insurance coverage than an easy application process. Here is a complete overview of the policy’s features of United American final expense to help determine whether it suits your needs.

United American Final Expense Overview

United American Final Expense Whole Life
Policy Type:Whole Life Insurance
Death Benefit:Level and Graded Options
Age Availability:50-80
Coverage Amounts:$1,000 up to $25,000
Contract Length:Guaranteed for life as long as premiums are paid on time
Policy Riders:Accelerated Benefit Rider for Terminal Illness
Cash Value Growth:Guaranteed
Medical Exam:No medical exam required
State Availability:Available in all states except MT

Policy Type

United American final expense is simplified issue whole life insurance coverage. That means no medical exams are required, and coverage is designed to last a lifetime. In addition to permanent protection, you receive several guaranteed features such as cash value growth, fixed premiums, and a death benefit that will never decrease.

Death Benefit

United American final expense insurance plans offer both a level and a graded death benefit option. A level death benefit allows beneficiaries to receive the full death benefit from the first day of coverage.

A graded death benefit pays a portion of the death benefit if death occurs within the first three years. The graded death benefit is intended for applicants with certain health conditions (generally viewed as high-risk) that may prevent them from qualifying for the level benefit plan.

United American’s graded death benefit payout works as the following:

  • 25% of the full death benefit if death occurs in policy year one.
  • 50% of the full death benefit if death occurs in policy year two.
  • 75% of the full death benefit if death occurs in policy year three.
  • 100% of the death benefit will be payable to the insured’s beneficiary for any death starting in the fourth year.

*For accidental death during the first three policy years, the graded death benefit will be paid in full to the beneficiary.

Age Availability

You can apply for a United American final expense policy if you are between the ages of 50 and 80 and are a non-smoker. Tobacco users can apply between the ages of 50 and 75 years.

*A juvenile whole life insurance policy option is available for applicants between the ages of 0 and 18.

Coverage Amounts

United American final expense insurance offers coverage amounts starting as low as $1,000 up to a maximum of $25,000. Spouses may also apply under one single application for coverage, even though two separate policies will be issued upon approval.

*If you reside in the state of Washington, the minimum coverage amount is $5,000.

Contract Length

Final expense insurance from United American includes coverage for life. The premiums are also guaranteed to stay the same throughout the life of the policy which is age 121.

Should you reach the age of 121, your policy is considered paid up, and the cash value will equal the full value of the policy’s death benefit.

Policy Riders

A terminal illness rider is included with the standard issue policy at no extra cost. This rider is not available for those that receive the graded death benefit. 

The terminal illness accelerated benefit rider pays an accelerated benefit if you receive a diagnosis of a terminal illness. You can elect to receive a portion of the death benefit before you pass. 

A terminal illness is considered a medical condition that should reasonably result in death within 12 months. The company will pay 50% of the death benefit before death. Any amount paid from the rider reduces the final death benefit paid to your beneficiaries.

Cash Value Growth

A predetermined amount is added to a cash value account each time that you pay the premiums on your policy. The cash value gradually accumulates and should equal the death benefit if you reach the age of 121.

You can eventually access the cash value account. Features of the cash value account include:

  • Use the cash value to cover premium payments
  • Take out a loan against your policy
  • Make a full or partial withdrawal

After you have accumulated enough cash value, you have the option of using some of the money to pay your premium payments. If you hold off long enough, the cash value may eventually cover your remaining payments, which is known as being fully “paid up”.

You can also use the cash value account to take out a loan against your policy. The loans often come with a lower interest rate compared to the rates offered by banks. You may save money on interest if you can pay back the loan quickly. Any outstanding balance is taken out of the death benefit. 

You may make a full or partial withdrawal. Some insurance companies only allow you to make a full withdrawal, which can limit the benefits of accumulating cash value.

Medical Exam Requirements

You do not need to take a medical exam as coverage is designed to offer simplied issue non-medical underwriting. Instead of lab testing or meeting with an examiner, United American relies on third-party data and the answers you provide within the application to assess your eligibility.

You must disclose any medical issues you suffer from, such as diabetes or high cholesterol. Some issues may increase your premiums or disqualify you from obtaining the standard issue policy that offers a level death benefit. For example, a heart attack or cancer diagnosis may require you to apply for a graded death benefit.

State Availability

United American final expense insurance is available in all states except Montana (MT). Some states may also restrict the inclusion of policy riders.

For example, some states may not allow United American to include the terminal illness rider on the standard policy. You can review the availability of plans and policy riders during the application process.

United American Final Expense Rate Chart

United American offers competitive final expense life insurance rates, but they are far from being the cheapest option. Nevertheless, younger applicants in good health will receive the insurance provider’s best rates provided they qualify for the level benefit plan. 

For example, United American can offer a healthy, non-smoker 50-year-old female a $10,000 final expense life insurance policy for less than $1 per day. 

The rates vary depending on various factors, including your age, tobacco use, medical history, and the total amount of coverage you request. Those in good health are more likely to qualify for the level benefit plan, which offers much lower rates than the graded benefit plan. 

Use the below chart where you will find actual rates for both the level and graded death benefit final expense plans offered by United American. 

United American Insurance Rate Chart - Level Benefit

Age 50Male$21.87 / monthly$42.07 / monthly$62.20 / monthly$102.67 / monthly
Age 50Female$16.37 / monthly$31.07 / monthly$45.77 / monthly$75.17 / monthly
Age 55Male$24.07 / monthly$46.47 / monthly$68.87 / monthly$113.67 / monthly
Age 55Female$18.47 / monthly$35.27 / monthly$52.07 / monthly$85.67 / monthly
Age 60Male$28.57 / monthly$55.47 / monthly$82.37 / monthly$136.17 / monthly
Age 60Female$22.17 / monthly$42.67 / monthly$63.17 / monthly$104.17 / monthly
Age 65Male$36.67 / monthly$71.67 / monthly$106.67 / monthly$176.67 / monthly
Age 65Female$28.17 / monthly$54.67 / monthly$81.17 / monthly$134.17 / monthly
Age 70Male$51.57 / monthly$101.47 / monthly$151.37 / monthly$251.17 / monthly
Age 70Female$38.87 / monthly$76.07 / monthly$113.27 / monthly$187.67 / monthly
Age 75Male$77.47 / monthly$153.27 / monthly$229.07 / monthly$380.67 / monthly
Age 75Female$54.92 / monthly$108.17 / monthly$161.42 / monthly$267.92 / monthly
Age 80Male$111.07 / monthly$220.47 / monthly$329.87 / monthly$548.67 / monthly
Age 80Female$79.72 / monthly$157.77 / monthly$235.82 / monthly$391.92 / monthly

Monthly male/female non-tobacco premium rates current as of 11/15/2022 representing the cost of a $5,000 / $10,000 / $15,000 and $25,000 United American Simplified Issue Final Expense Whole Life Insurance policy. Rates are guaranteed to remain the same for life upon approval.

United American Insurance Rate Chart - Graded Benefit

Age 50Male$43.52 / monthly$85.37 / monthly$127.22 / monthly$210.92 / monthly
Age 50Female$26.12 / monthly$50.57 / monthly$75.02 / monthly$123.92 / monthly
Age 55Male$46.32 / monthly$90.97 / monthly$135.62 / monthly$224.92 / monthly
Age 55Female$29.17 / monthly$56.67 / monthly$84.17 / monthly$139.17 / monthly
Age 60Male$54.47 / monthly$107.27 / monthly$160.07 / monthly$265.67 / monthly
Age 60Female$34.42 / monthly$67.17 / monthly$99.92 / monthly$165.42 / monthly
Age 65Male$68.97 / monthly$136.27 / monthly$203.57 / monthly$338.17 / monthly
Age 65Female$44.82 / monthly$87.97 / monthly$131.12 / monthly$217.42 / monthly
Age 70Male$95.17 / monthly$188.67 / monthly$282.17 / monthly$469.17 / monthly
Age 70Female$62.62 / monthly$123.57 / monthly$184.52 / monthly$306.42 / monthly
Age 75Male$139.17 / monthly$276.67 / monthly$414.17 / monthly$689.17 / monthly
Age 75Female$91.62 / monthly$181.57 / monthly$271.52 / monthly$451.42 / monthly

Monthly male/female non-tobacco premium rates current as of 11/15/2022 representing the cost of a $5,000 / $10,000 / $15,000 and $25,000 United American Simplified Issue Final Expense Whole Life Insurance policy. Rates are guaranteed to remain the same for life upon approval.

United American Final Expense Application Process

You can submit an initial inquiry online but will need to speak with a United American licensed agent to complete the application process. After filling out an online inquiry for coverage, an insurance agent will contact you to discuss your options, provide an accurate quote and start the application process.

The agent will ask questions to help determine your life insurance needs if needed. After choosing a death benefit amount, you must provide personal and beneficiary information. Your application will also consist of a series of qualifying health questions.

By answering the health questions listed within the life insurance application, the agent can immediately determine your eligibility for a level or graded death benefit plan. After completing the application, it will be forwarded to the underwriters for final review. 

United American uses a simplified underwriting process. That means you will never be required to complete a medical exam. Instead, the underwriters will use data from third-party sources to analyze your medical background, prescription history, and driving history.

In some cases, you may be required to complete a telephone interview should the underwriter need additional information pertaining to your application.

The total time it takes to complete the life insurance application is around 15-30 minutes. You may also elect to complete a paper application should you choose to.

If you are approved for coverage, you will receive a copy of the policy, and your life insurance coverage will be active as soon as payment has been received.

United American allows for the following payment options for your life insurance coverage: annual, semi-annual, quarterly, and monthly.

United American Final Expense: Frequently Asked Questions

You should now have a general idea of what to expect from a United American final expense policy. Use the following answers to frequently asked questions to fill in any blanks or leave us a question in the comments.

What Type of Life Insurance Is United American Final Expense?

United American final expense insurance is whole life insurance coverage. Some standard features of a final expense whole life insurance policy include guaranteed level premiums, cash value accumulation, and a death benefit that will last your entire life. 

Final expense life insurance plans, also called “burial insurance,” is a popular form of life insurance for seniors due to how they are designed. For example, they offer simplified underwriting, which means a medical is not required. Instead, qualification is heavily based on responses to the health questions listed within the life insurance application. 

In addition to non-medical underwriting, these plans only offer smaller coverage amounts (generally $50,000 or less) as the life insurance is intended to cover end-of-life expenses such as funeral costs.

What Determines Eligibility for a United American Final Expense Policy?

Eligibility for a United American final expense plan is based on a variety of details, including:

  • Your age and gender
  • Your health history
  • Your height and weight
  • Your prescription drug history
  • Your criminal history

While you will not be required to complete a medical exam, the application process will consist of a series of health questions beginning with the knockout questions. If you answer “yes” to any knockout health questions, you will not be eligible for a United American final expense policy.

Answering “yes” to any of the health questions listed in the second portion of health questions would make you eligible for the graded death benefit coverage.

Remember that the graded death benefit option is reserved for applicants with a history of high-risk health conditions that often prevent them from getting life insurance coverage through traditional underwriting.

In return, the life insurance company will issue coverage with a graded death benefit that will last for a specific period. With United American, that particular period time is during the first three policy years. Some health conditions that may result in a graded death benefit include:

  • Diabetes
  • Heart attack
  • Stroke
  • Coronary bypass surgery

In addition to your health history, eligibility for a policy will also be based on your height and weight, along with any recent criminal history.

How Quick Is Approval for United American Final Expense Coverage?

Approval may take up to one to two weeks. The underwriting process is simplified and does not require a medical exam, leading to quicker approval for coverage. However, it is important to understand that approval is not guaranteed just because no medical exam is required.

You will need to answer a series of health questions to determine your eligibility for coverage. The underwriters will also verify your medical information using various third-party sources, such as the medical information bureau, prescription checks, and motor vehicle reports. In some cases, you may be required to complete a telephone interview should additional health information be required.

What Happens After You Are Approved for Coverage?

After you are approved for coverage, United American sends you a copy of the policy. However, your life insurance coverage does not become active until the first premium payment has been paid to the insurance company.

You can provide an initial payment to cover your first premium payment during the application process. If you are approved, the company processes the first payment to make your coverage effective immediately. If you are not approved, the payment is refunded.

Is United American’s Final Expense Whole Life Insurance Affordable?

United American’s final expense whole life insurance plans are affordable and offer competitive rates compared to providers offering a comparable policy. However, if you want the cheapest final expense policy, you will likely find it with many other providers.

For example, companies such as Transamerica, Mutual of Omaha, and Foresters currently offer some of the lowest rates for final expense life insurance. However, we highly recommend comparing quotes from multiple providers before settling on one company’s plan, as price differences can swing from a little as a few dollars to several dollars.

How Long Does Coverage Last?

As long as you continue paying the required premium, coverage is designed to last for the rest of your life. As with most whole life insurance policies, the final expense insurance from United American includes cash value accumulation.

If you were to reach age 121, the policy’s cash value should equal the death benefit giving you a fully paid-up policy and allowing you to stop making payments.

How Can Your Get a United American Final Expense Whole Life Insurance Quote?

No Medical Exam Quotes offers United American final expense life insurance plans. Our online quote calculator can instantly display rates for United American and over a dozen other top life insurance providers offering final expense life insurance coverage.

What Is the Cancellation Policy With United American?

United American offers a 30-day free look period on its final expense plans. That means you will receive a full refund if you cancel your coverage within the first thirty days of the policy being issued. 

Any cancellation after the first thirty days of a new policy will result in a partial refund of any unused premium and any cash value balance of your whole life insurance policy.

Does United American Insurance Company Offer Other Insurance Options?

United American offers a variety of additional insurance options, including:

  • Medicare Supplement Insurance
  • First Diagnosis Cash Benefit Cancer Policy
  • Critical Illness Insurance
  • Hospital Expense Policy
  • Accident Compensation Plan
  • Juvenile Whole Life
  • Annuities

United American has flexible Medicare Supplement Insurance options for qualifying seniors. All plans cover hospitalization and at least a portion of medical expenses. 

United American offers cancer insurance and critical illness insurance. Both options provide a one-time lump sum payment should you receive a diagnosis of a qualifying medical condition. These plans include up to $50,000 in coverage.

The hospital expense policy includes up to $10,000 in coverage for hospital expenses. However, you also need a major medical policy, such as Medicare Supplement Insurance or Critical Illness Insurance.

Accident compensation plans include up to $10,000 in coverage. The monthly rates start at just $8.

The juvenile whole life policy is comparable to the standard issue final expense policy. It includes $1,000 to $25,000 in coverage and the terminal illness rider at no extra cost.

Annuities are also available through United American. However, you must be between the ages of 65 and 90 and have a Medicare Supplement Insurance plan.

How Do You Contact United American Customer Service?

You can contact a customer service representative through the company’s website or over the phone. Existing customers can use the United American eService Center to manage their accounts and ask questions related to their policies. 

If you need to file an insurance claim, send a copy of the death certificate, obituary, and other information to:

  • United American Insurance Company
  • Attn: Claims Division
  • PO Box 8076
  • McKinney, TX 75070-8076

Customer service is available Monday through Friday between 7:30 am and 5 pm CST at (800) 331-2512. If you need to find an agent to discuss applying for a policy, you can call (844) 593-8913.

Advantages of United American Final Expense Life Insurance

Explore a few of the advantages of choosing United American final expense life insurance over other options:

  • Terminal illness rider included at no extra cost
  • Certain health conditions may qualify for graded death benefit
  • No medical exam is required for final expense insurance
  • Includes cash value accumulation
  • Convenient online account services

United American includes the terminal illness rider at no extra cost. This rider pays a portion of the death benefit if you become diagnosed with a terminal illness, which is something that many other final expense policies leave out or charge extra for.

United American accepts applicants with certain health conditions that other companies consider uninsurable. You can still get a health insurance policy if you have been treated for cancer or suffered a heart attack.

The cash value accumulation is a standard feature of whole life policies. It may eventually replace the need to pay your monthly premiums.

United American also makes it easy to manage your account. You can log in to the eService Center to view details of your policy, update your address, and pay your bill. You can also submit questions to customer service through your account dashboard.

Disadvantages of United American Final Expense Life Insurance

United American final expense insurance includes several benefits, along with a few drawbacks:

  • No selection of policy riders
  • The limited maximum death benefit
  • You need to speak with an agent

The terminal illness rider is the only rider available for United American final expense insurance. It is also only available with the level death benefit plan.

The $25,000 death benefit limit may also be too small for some applicants. However, it can help supplement other insurance options. It is also more than enough for the typical funeral costs.

One potential issue is the need to speak with an agent. You cannot complete the application entirely online. You need to talk with a representative from United American to complete the application process.

Conclusion – Is United American Final Expense Whole Life Insurance Worth It?

United American final expense whole life insurance is worth it for certain groups of people. 

If you are in your 50s and in good health, you can likely obtain an affordable rate with up to $25,000 in coverage. While you cannot get a large death benefit, you may find that the United American plan is perfect for supplementing other coverage. 

Those that are less insurable, such as seniors with serious medical conditions and seniors approaching the 80-year cutoff, may also benefit from a United American plan. If you have already been turned down for insurance, you can likely get a policy through United American. The company offers a graded death benefit plan for those with major medical issues that may not qualify for a standard issue policy.

United American also offers several benefits, including a simplified application process and access to an online account management portal. The plans include a limited maximum death benefit and only one policy rider. However, you can get approved quickly, even with medical issues.

If you want to cover your final expenses, get a quote for United American final expense insurance today.

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Picture of Jeffrey Manola - Life Insurance Expert
Jeffrey Manola - Life Insurance Expert

Jeffrey Manola is the founder of No Medical Exam Quotes, an online insurance agency that strongly focuses on helping people shop for the perfect life insurance policy. He is a licensed life insurance expert and content creator for the website.

Before becoming a life insurance agent, he served in the United States Marine Corps, transitioning from serving his country to helping families find affordable life insurance coverage beginning in 2009. Since starting a career as a licensed life insurance agent, Jeffrey has helped thousands of families with their life insurance needs.

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