The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance or niche plans such as guaranteed health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in...
So who is United Insurance Company?
United Insurance Company of America is a division of Kemper Life specializing in the home service business model. Yes the home service or commonly know as "debit agency" still exists. Direct person interaction is important to United Insurance Company's clients when an issue arises, they can reach their local agent directly.
They have highly trained knowledgeable agents who help people with the various fazes of the insurance process by:
-Helping you determine the right coverage
-Assisting you in making policy changes
-Collecting monthly premium at your home
-Helping you file a claim when the need arises
United Insurance Company believes that developing this personal relationship with their clients is what separates them from other insurance companies, and that no one should understand your needs better than your personal insurance agent. This is why they are always on the "frontlines" so to speak.
United Insurance Company offers insurance products that fit the needs of people with modest incomes, and people who do not feel comfortable with automatic drafts from a checking or savings account. Their portfolio of life insurance products can help when the need arises for final expenses or "burial insurance" to mortgage liquidation.
Life Insurance:
The whole life insurance product offers level premiums paid over a choice of modes (monthly/semi annually/yearly) and will build cash value tax free. The cash value can be used in a variety of ways. Limited pay policies (paid up insurance) are offered such as 20 year paid up policies. The insurance is in force, and the client no longer pays premiums.
Term life is also offered at 10, 20, up to 30 year terms. Even though it is typically cheaper, there is no cash value buildup. Premiums are level, however at the end of the term, premiums will rise on an annual basis.
Each type of life insurance policy has its variations, but with the help of a United Insurance Company home service agent, you can create a plan that will meet your needs and budget.
Accident and Health:
United Insurance Company offers Accident and Supplemental Health Insurance Coverage as well. Heart attack and Cancer plans provide a lump sum benefit for first a occurrence. Accident plans also offer accidental death and dismemberment benefits with coverage for a variety of related expenses.
Fire Insurance:
United Insurance Company's Fire insurance provides financial protection against loss to personal property resulting from fire, lightning, and other causes specified within the policy. Benefits are payable up to the limit of liability based on the actual cash value of the loss.
Final Analysis:
Overall, United Insurance Company of America backed by Kemper Life seems like a very strong company. They have mastered their market over the years. This company may not be the best for all markets, but they are always there for families who need them.
Where is the home office in Richmond? They are located downtown:
3600 W. Broad St.
The phone number is: (804) 358-5927
If you happen to contact them, tell them I sent you!
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