United National Life Insurance Company of America operates from 5661 Telegraph Road, Suite 4B in St. Louis, Missouri 63129, offering a range of life insurance products such as term, whole, and universal policies for individuals and families seeking affordable protection.
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Company Overview
The firm is a subsidiary of United National Financial Group and holds licenses in multiple states, allowing it to underwrite policies nationwide. Its focus is on straightforward, cost‑effective coverage with an emphasis on online applications and streamlined underwriting.
Products and Services
Typical offerings include:
- Term life insurance – fixed premiums for a set period, often 10, 20 or 30 years.
- Whole life insurance – permanent coverage that builds cash value over time.
- Universal life insurance – flexible premium and death‑benefit options.
- Accidental death and dismemberment riders – additional protection for unexpected injuries.
Licensing and Regulatory Status
United National Life Insurance Company of America is authorized by the Missouri Department of Insurance, Financial Services and Professional Registration and is listed on the NAIC's Consumer Information Database. The company maintains a financial strength rating in the "B‑" range, indicating moderate ability to meet policyholder obligations.
Contact and Location Details
Address: 5661 Telegraph Rd, Ste 4B, St. Louis, MO 63129Phone: 1‑800‑555‑0199 (customer service)Office hours: Monday‑Friday, 9 am‑5 pm Central Time.
How to Apply
Prospective policyholders can start an application on the company's website by providing basic personal data, health history, and desired coverage amount. After submission, a representative may request additional medical information or a paramedical exam, depending on the selected product and coverage level.
Key Considerations
When evaluating United National Life Insurance Company of America, weigh the following factors:
| Factor | What to Note | Impact |
|---|---|---|
| Pricing | Competitive for term policies; whole life tends to be higher. | May suit budget‑conscious buyers for term, less so for permanent. |
| Financial Strength | NAIC rating around B‑. | Indicates moderate risk; consider supplemental carriers for large policies. |
| Customer Service | Phone support available weekdays; online portal for policy management. | Convenient for tech‑savvy consumers. |
Alternatives in the St. Louis Area
Other insurers with a physical presence nearby include State Farm, Nationwide, and Mutual of Omaha. Comparing quotes, rider options, and financial ratings can help determine the best fit for a given need.