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United American

United American is a Dallas-based insurance firm that has been servicing customers since 1947. It offers a final expense or burial insurance plan called the 400 Series. Coverage is provided for individuals between the ages of 45 and 80. The 400 Series does not require a physical exam, and it offers immediate qualification based on your answers to a brief health questionnaire. Unlike most insurance companies, United American features an extensive list of premium fees on its website. This allows you as a prospective customer to see exactly what you will pay based on your age, your chosen amount of coverage, and a variety of additional factors.

How much does a burial insurance policy cost?

Insurance premiums for burial or final expense policies differ based on many factors. Your health, your sex, your age, and your location are just a few of the data points that insurance companies use when calculating your premium payments. They also look at lifestyle choices, including whether you smoke, drink, or have a history of heart disease in your family. Most burial insurance policies offer coverage to those between the ages of 50 and 85. The closer you are to 50, the lower your payments will be. Most companies do not offer burial or final expense insurance to individuals over the age of 85. If you are close to age 85, you will probably be able to purchase insurance, but your premium rates will be high.

How long does a burial insurance policy last?

Final expense and burial insurance policies do not expire. They last until the policyholder’s death. After the policyholder’s death, the specified beneficiary is given a cash death benefit payout for the amount listed on the policy, provided that premiums have been paid and any term length stipulations have been met. In addition to the fact that they never expire, burial insurance policies may not be canceled except in very specific circumstances. These circumstances involve fraud on the part of the insurance company or non-payment of premiums by the policyholder.

How to get started

If you are already a United American insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote and start the application process by calling or emailing the company using the information below. Alternatively you can use the contact form on the company’s website. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A+, Stable outlook
Moody’s – Not rated
Standard & Poor – AA-, Stable outlook

Company contact info

United American
(800) 331-2512
Call Monday – Friday, 8:00 a.m. to 5:30 p.m. Central