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The good, the bad, and the ugly - discover what customers are saying about United American Insurance Company

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6:20 pm EDT
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United American Insurance Company Rip off

This so called insurance company is nothing but a joke and should be shut down. The insurance agent came to my home and told me and my husband that this was real insurance and not a discount program. When the bills started coming in and the insurance company had only paid for an office visit I knew I had been had and the agent set in my home and lied to us! I have filed a complaint with the Attorney Generals office in my state and the case is still pending. Someone needs to do something about these so called insurance companies
that pretend to be real insurance when they are nothing but a rip off. They take peoples hard earned money but they give nothing in return. I would like to join a class action law siut if any Lawyer should happen to file one against them.

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Giulia
, US
Jan 20, 2010 2:36 pm EST

Same happened to me! I was sold this insurance by the agent telling me this is the only one that will take people with pre-existing conditions so my husband and I paid out $1, 200 a month and for nothing! They never paid anything but a miserly $50 for doctors visits, and that was only sometimes.My husband recently fell and broke his wrists, after having so much trouble with United American customer service I knew I would be in for an expensive ordeal. I played everything by the book, even contacted my agent to make sure I did everything right. I didn't take him to the emergency room knowing how expensive it could be. I contacted them and so did my agent. We inquired if the local UrgentCare facility was under their watch and was instructed that it would be covered. Once we got there I stood over the receptionist as she spoke with United American Agent and heard them yelling at her! saying this is not a policy which covers hospital? and that they would only pay $20. It was cheaper for me to go ahead and pay cash! I am so angry. Found out something interesting researching - We had Cobra coverage with Group and Pensions Administrators out of McKinney Texas and guess what they are the same company. To make matters worse, last week I had a call from an gent trying to sell me the garbage again and when I told her I didn't think much of that particular company she gave me an earful as if she herself had been brainwashed. A rated been in business for 64 years - If that's the case I am appalled at how they actually got away with this all these years.
Also found out researching that the operate a Pyramid like scheme with their employees who sell, YOU wouldn't believe thing crooked things they do with top salesmen of the year awards Cruises to the Carribean etc, Rotten!
Shame on them for ripping off so many people who are disabled.

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rosimons
Oak Lawn, US
Aug 27, 2009 8:40 am EDT

Did you file a complaint with the Better Business Bureau? They show no records for this company for the last 36 months. www.bbb.org

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inevercomplainbut
naples, US
Jun 22, 2009 4:34 pm EDT

I'm all for a class action. My husband and I have a policy with a high deductible to keep costs down because we are healthy people and only go to the doctors for wellness exams which the insurance doesn't pay for anyway.
Our premium is almost $660 a month and we've been with them for 5 years, with basically no claims. I had tightness in my chest and a shortness of breath so I felt it best to go the local hospital just to be sure. Long story short, I wasn't there for even 24 hours, many test were done and everything turned out to be fine. Before I left the hospital the insurance person there told me that because I wasn't admitted and was "under observation", that United American will only pay $300 towards my visit! Listen to this...one of the tests was $7500.00 and the total bill came to $16, 000.000! Basically to insults, the insurance rip off and the hospital rip off.
Something has to be done! Everything related to the medical field is out of control, when even having insurance makes no difference there is something horribly wrong!
In this country, health care is a luxury item, only can the rich stay healthy.
Sick.

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11:01 am EST
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United American Insurance Company Awful company

I received a phone call from this company before I received the same email that everyone here seemed to get. The guy on the phone told me that he had seen my resume online and was calling from American Express and wanted to set up an interview. A day before the interview I noticed the emails from a couple different Torchmark corporations, but didn't bother looking at them because I was not looking for a sales job and that is what they obviously were trying to sell me.

When I get to the interview I realize that this is definitely not American Express but decided to stay anyway since I had come all this way, and was willing to give them the benefit of the doubt that maybe I had heard the man wrong on the phone. It was not until another lady arrived and said that she had been told that she was being interviewed for United Medical that I realized the guy flat out lied to us on the phone.

When I talked to the interviewer one on one, he never actually answered my questions, just danced around them and drew graphs or charts as explanation. I refused to give them money for the license and I do not think they were too happy about that, but what kind of a company wants you to pay them in order to get hired? I understand about licenses and training purposes and such, but the whole thing smelled like a scam and looking at these testimonials, I can see that it most likely is.

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9:08 am EST
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United American Insurance Company This should be criminal

I am a former branch manager for United American and Liberty National. If you are a United American or a Liberty National agent let me speak to you first. Get out now. You can still have a great insurance job somewhere else and be able to sleep well knowing you are helping people and not hurting them. You may be to new to UA or LNL and have not seen the claims that will get filed with the policies you are selling but they will start to come in and you will not sleep once you find out what you have done to hard working families.

I worked for UA for 3 years. Started off as an agent, then unit manager, and then finally Branch manager. UA use to be a very respectable Insurance company. I use to because they now see themselves as a recruiting company. I once heard in a managers meeting a very high up say we are a recruiting company not an insurance company.

As managers we were taught to lie in our presentations. Say anything to get anyone hired that usually meant say one we are hiring managers and not agents. Tell them truthful yet unattainable possibilities about income potential while leaving out any possible negative. The point was to hire at all cost and then see what sticks. Once sometimes twice a month we would have 'cattle calls' or recruiting seminars where the goal was always to have 100 'butts' in seats that usually meant getting about a 1000 confirmations. Once we had the poor saps in the room we would start get them to fill out all their personal information before they knew what it was for. We would then take that information and start typing up a contract with it on laptops in the back.

Once the event was over we would call them to the back one by one and get them to sign an e-pad to get them hired many times without them knowing what they were signing. We would often tell them it was for a background check to see if we can get you a writing number. If we did get them a writing number that meant we hired them and charged them a $15 appointment fee.

I feel sorry for the directors that had to do this day in and day out from city to city living as just shells of humans. Their job didn't use to be like that and there are two people to blame I they are the only two people I feel like calling out personally.

Andy King - President and Author of the Flex plan that ruined the company's name as an insurer

Jay Politi - Vice President and Andy King's right hand man, womanizer and top recruiting guru who ruined company's name as an honest employer

United American has never been a Major Medical insurance company. They use to be the best at what they did in defined benefit medical plans. However, this changed with the introduction of a plan called the Flex or FlexPlus. This made them the worst at what they do. They say they aren't supposed to replace major medicals with it but they do all the time. I saw a $42, 000 hospital claim only payed $11, 000 with a Flex. And they were paying over $300 a month for the policy. That should be criminal. Agents will come on here and say they knew what they were getting they signed the papers. The papers are meant to be confusing and misleading and unless the person as a insurance or law background they will more than liking go by what the agent tells them. This should be criminal.

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United American
, US
Nov 17, 2010 7:46 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I have worked for united american 10 + years and have had nothing but great things to say about the company it is a wonderful place to work and all of our policy holders are very very happy and most have been with us for years, these comments are of bitter ex employees who have had grudges against the company,

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Houston Business Advisors
Houston, US
Oct 04, 2011 9:01 pm EDT

I am a seasoned insurance and financial advisor with more than 21 years experience in the business. I originally started out in the business at NASE, and like many who have posted on this site, learned very quickly what the "real deal" was. Fortunately I left after only 10 months there, and ultimately was able to move nearly every client into legitimate individual medical plans. Over the years, I have evolved significantly, becoming a Certified Tax Specialist and working on my Master's Degree in Financial Services. What I will say to all of you who have been burned, or are even prospectively looking at entering the field...keep your eyes wide open, and READ EVERYTHING...especially items you are going to sign. If it says something different in black and white than some yahoo who is promoting it, walk away. At th end of the day, ALL insurance and financial matters stem from the tax code, so learning about business and taxes will insure a fairly significant amount of leverage against being duped by these predators. Additionally, ask yourself the following questions...1.) Would I personally purchase one of these policies on myself? 2.) How would I like it if I only discover at claim time how a policy is actually going to pay? 3.) Do I thoroughly understand ALL of the legal premise behind the policies I am marketing? Rest assure, folks, if you think the insurance companies are not protecting themselves, you are in serious denial. The reality is that, in this business, you would be well-advised to become very proficient in legal matters, because if a complaint is filed against you with the state board of insurance, and they find you guilty of some improporiety, intentional or not, they WILL fine you and they WILL terminate your license. The old adage of "ignorance is not an excuse" is particularly true in this business. If you want to become an agent, get with someone who has multiple licenses, multiple appointments with many carriers, and who has a solid business and tax background, then work your tail off to learn what he or she knows. It will pay off, eventually. But this business is about helping others IRRESPECTIVE of the compensation. If you put yourself in your client's shoes, and treat them the way you would want to be treated, you usually will not go wrong.

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United American
, US
Nov 17, 2010 8:18 pm EST
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oh ok

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United American
, US
Nov 17, 2010 7:53 pm EST
Verified customer This comment was posted by a verified customer. Learn more

what branch do you work for ? Do you work for United American?

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UM 061
Chattanooga, US
Feb 08, 2010 2:13 pm EST

Ok so I have worked for this company for awhile and have found that what they promised me was true. I am very happy here and am so glad I did not read this posting before I interviewed with them. Yes they interview lots and lots of folks. This job is not for everyone. I have seen many good folks come and go. Just because you do not make it does not mean you should go out and blast folks. I am a devote Christian and I sleep very well at night with what I do. I have seen many claims and seen them all paid. I am not sure about the UA side that you folks are complaining about but I do know that Liberty is a great company and I am proud to work for them! I by the way am not an agent or branch manager I am a Unit Manager at branch 61 in Chattanooga and would gladly share my experience with anyone that wants info.

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G. P. Oliver
MT Carmel, US
Jan 29, 2010 3:50 pm EST

I left UA in June of 2009 with money showing in my debit account and it had been positive for the 10 or 11 months. A few weeks after I left I received a letter stating that I owed them $1.035.00, no detail given. I called the person who signed the letter and asked that she sent documentation on all policies and when I received the "documentation" it was computer generated, from someone's personal computer, excel spread sheets and my last agent's statement with a manual entry for the $1, 035.00. I am under threat now by UA that if I don't pay they will turn it over to a collection agency. Well, I am not a novice in business or large corps operations, I advised UA of that fact and also advised that if they did follow through with their threats I would see them in court, and that's not a threat, that's a promise. As others have advised I would stay away from this company. I started in the insurance industry because of my age and the ability to make the money that I needed after retiring from Marathon Oil, but with UA you can't stay ahead of your lapses.
Gary

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??confused??
, US
Nov 24, 2009 2:50 pm EST

i also agree...i worked for them for a short time & when i left they said i owed almost $3, 000...now i have a collection company calling me wanting money all the time...do i really have to pay this?

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stopwhining
, US
May 15, 2009 7:06 pm EDT

Some people just don't have what it takes to make it this industry. LNL has paid me very well for 2 years. My wife stays @ home and I doubled my income from my previous employer my first year in the industry. What I have seen, is that everyone who leaves and tries to make it somewhere else, almost ALWAYS tries to come back. I have also helped many people make substantial amounts of money in their first 4 weeks of training. We all know that little saying about "he who points the finger..." Come on guys suck it up.

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Car
Brookline Station, US
Apr 22, 2009 12:43 am EDT

Thank you for taking the time to write. I'm an insurance agent, also, and LNL just had a big deal in my town, hiring 200 new agents. We all know why! Because you spend so much money out of your pocket and make so little. Does anyone know where I can find a decent insurance sales job? I'm a single mother out of work and going insane, but so scared to get hooked up with another scandalous company like UA and LNL. Please help if you can.

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Decatur
Decatur, US
Mar 18, 2009 12:10 am EDT

The author of this complaint is 100% correct. I hired in to Liberty National early in 2006 before Andy King had really sunk his teeth into the company. It was a completely different company than the one I left two years later as a Unit Manager. I absolutely could not sleep at night, knowing what I was doing to people, just to keep my job. I am not writing this as an UNSUCCESSFUL former employee, but one that was very successful and more than once was a top 20 Unit Manager and Agent of the company. The way that we were asked to "hire" agents- if that's what you want to call it- was completely misleading. They were not completely informed about their compensation and especially not exactly how hard they had to work to get just one sale. Furthermore, training people to open a laptop and push a button to begin a program to do their sales presentation for them borders on being, well, stupid. If someone came into my home and did that...I would ask them to leave! You really should think twice about working for a company whose only concerns about the prerequisites and qualifications of their employees is their ability to pay fees for school and licensing and ability to purchase a laptop (oh, and fog a mirror- I'm sure most of you former UA/LNL folks will get that).

And as far as Jay Politi being a womanizer...that was a running JOKE which young blonde (intoxicated) new agent he was going to put the moves on at quarterly seminars. Yet another clue that you may want to question a company's ethics: The Sexual Harrassment Policy was printed on EVERY earning statement I got for TWO YEARS! I've never worked for another company that felt the need to do that.
There are excellent insurance companies to work for and purchase insurance products from. Don't be fooled about companies that boast about their "AM Best ranking" because AM Best is actually funded by insurance companies! Instead, use The Street, they are funded by CONSUMERS and will give you an unbiased account of the company you are considering.

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