United American opened its doors in 1947 to provide life, health, and accident coverage to individuals in Texas. Today, UA operates in 49 states, the District of Columbia, and Canada and has more than 900 people in the Home Office working to ensure customers receive outstanding products, service, and support every day.

United American has developed an industry reputation for quality products and financial stability, as demonstrated by the top ratings the Company has been awarded. UA continues to expand its product selection to meet the needs of the uninsured and underinsured, and actively promotes supplemental products in the workplace.

Stability
Stability is an absolute essential in insurance. Customers want a company they can depend upon to pay claims. Clients invest in a policy and expect that policy to perform when needed. United American has often said it is the company that does what it says it will do. For more than a half century, United American has been meeting the individual insurance needs of its customers.

For more than 30 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (rating as of 6/08). We are also rated AA- "Very Strong" for Financial Strength by Standard & Poor's (as of 11/08).

Service Service is often the distinction between a good and a great company. A great company goes the extra mile to not just sell a product, but to establish a relationship with the customer. United American believes it is a great company, and continuously strives to deliver superior service and customer convenience.

Quality Quality is an investment in the future. UA has always operated on the premise that policyholders want quality and value, and when they buy UA, they get both. UA offers a diverse portfolio of products designed to meet the needs of clients both now and in the years to come. UA offers individual supplemental health, life, and annuity products, and also offers products to the worksite arena, all of which feature:

• Guaranteed Renewability. UA policies can never be canceled or nonrenewed as long as premiums are paid on time.
• Flexible Benefits. UA policies are designed to provide basic protection for individuals and families or serve as a supplement to existing coverage. Choose the benefits and amounts of coverage that are right for you. These can be adjusted as your life and needs change.
• Freedom of Choice. United American policyholders are free to visit any doctor or hospital they wish. Customers are not restricted to a network or list of providers.
• Portability. UA's plans are all individually written, so policies go where you do. Though you may move to a different state or change jobs, UA's benefits remain the same.

Commitment
The essence of commitment is vision. It is the ability to capitalize on experience and create a path into the future. At United American, every decision is made based on what is best for the customer, the Agent, and the Company. UA's leadership is committed to the market and to remaining a safeguard policyholders can count on for years to come.

The mission of Companion Life Insurance Company is to be a well-managed, customer-focused organization acting in the best interests of its policyholders and marketing partners, operating on a financially sound, growing and diversified basis.

Companion Life has earned an A.M. Best rating of A+ (Superior).

They are also the quality leader among national PPO's. Their accreditations are tangible evidence of the quality and consistency of the services they offer to our customers, providers and the 16 million members who use the PHCS Network. As external review becomes a more critical element in the PPO evaluation process, you can be confident that when you choose PHCS, you are choosing a recognized leader that meets the highest national quality standards. PHCS is widely regarded as the quality leader in the industry. Their accreditation and certification accomplishments underscore their commitment to setting PPO and care management quality standards.

What is hard is finding the right company. And that's where Guarantee Trust Life Insurance Company comes in.

Not the biggest -- but one of the best:

GTL is not the biggest company out there. But they are definitely one of the best. You might even say they wrote the book. Right now, they have more than 1.2 million insured's and over $2 billion life insurance in force. Five distinct product categories that provide everything from life insurance to long-term health care and special risk coverage's, such as K-12, college, and athletic insurance programs; And more than $180 million in rock-solid assets to back it up. If you were to use words like "unique", "versatile", and "flexible" (and yes, "mid-sized") to describe them, you'd be right on the money.

Since GTL was founded in 1936, they have benefited from the ongoing direction of the Holson family -- father to son to grandson. Not surprisingly, this consistent top-level leadership and management continuity give them a clear view of who they are and where they are going.

What GTL believes in:

GTL made their business grow by doing things right for over 70 years. They are small enough to get things done quickly, big enough to make things happen. And although each of their divisions sells different lines of coverage and uses different methods of distribution, they share a common belief in the basics.

For example, they believe in listening. They believe in being flexible, too. They know their limits. They won't mislead you by telling you they can do something when they know they can't. And when they do tell you they can do something, you can be very sure they will deliver the goods.

We believe that GTL's variety of products and services can fill your specific insurance needs to help you get the best overall coverage from your insurance.

Finally, GTL believes that good people make a good insurance company. And they think their people are the best. They have an experienced, aggressive management group. And nearly half their staff members have been with them at least five years (in fact, over 25% have been there ten years or more). This exceptional record of tenure means most of their employees are knowledgeable about the way their company works -- not just a little corner of it.

AM Best Rating:

Guarantee Trust Life Insurance Company (GTL) of Glenview, IL GTL is rated B+ (Good) by AM Best Company -- The fifth-highest of 15 possible ratings --

We offer a national network of licensed Board certified US based physicians and healthcare professionals experienced in telemedicine and recruited following strict credentialing guidelines so that they can diagnose, recommend treatment, and prescribe medication.

Going far beyond the telemedicine solutions available, InteractiveMD does not aim to replace traditional brick and mortar care, but complement it to provide enhanced quality of care which is both affordable and convenient.

• On-demand healthcare - Wherever and whenever you need, as often as you need. 24/7/365 Access.
• Save Money - Save hundreds or thousands of dollars by avoiding unnecessary doctors' office or ER visits.
• Save time - Avoid waiting for an appointment or sitting in the doctor's office.
• Our network of physicians - U.S. based, licensed, board-certified, and experienced.

• Your Primary Care physician is not available
• Requesting prescription medication or a refill*
• After normal business hours, nights, weekends
• For non-emergency medical issues & questions
• Traveling and need medical advice

You must complete a Medical Assessment and History Questionnaire prior to your Priority or by Appointment consult. * Prescriptions only will be issued when indicated and approved by a physician.