Union Central Insurance Review & Ratings (2023)

Union Central Insurance is a leading insurance provider that has been in the business for over 140 years. The company offers a range of insurance products and services, including life insurance, disability income insurance, and annuities. The company’s mission is to provide quality coverage at affordable rates.

• Offers a variety of coverage options to suit individual needs
• Provides discounts for safe driving, multiple cars, and bundling policies
• Has an easy-to-use online platform for managing policies and making claims

In this article, we will provide an in-depth review of Union Central Insurance, including its history, products, services, cost, discounts, and customer reviews.

Union Central Insurance History and Mission

Union Central Insurance has a long and interesting history. It was founded in 1867 in Cincinnati, Ohio, and was originally known as the Union Central Insurance Company. The company initially focused on providing life insurance products but later expanded to include other types of insurance, including car insurance.

In 1995, Union Central Insurance merged with the Ameritas Mutual Holding Company, which is a well-known provider of life insurance, annuities, and group dental and eye care products.

Today, Union Central Insurance operates as part of the Ameritas family of companies, which includes Ameritas Life Insurance Corp., Acacia Life Insurance Company, and The Union Central Insurance Company.

The company’s mission is to provide quality insurance products that help people achieve their financial goals. The company is committed to providing reliable coverage at affordable rates and is dedicated to helping its customers make informed decisions about their insurance needs.

Union Central Insurance also strives to provide excellent customer service and to make the insurance process as easy and convenient as possible for its customers.

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Union Central Insurance Products and Services

The company offers a range of insurance products and services, including:

• Life insurance: Union Central Insurance offers term life insurance, universal life insurance, and whole life insurance. Customers can choose from a range of coverage options and benefit amounts to fit their individual needs.
• Disability income insurance: This type of insurance provides income replacement if you become disabled and are unable to work. Union Central Insurance offers both short-term and long-term disability income insurance options.
• Annuities: Annuities are a type of investment that provides a steady stream of income in retirement. Union Central Insurance offers fixed, indexed, and variable annuity options.

Union Central Insurance also offers a range of insurance products and services to suit the individual needs of its customers. These include:

• Liability coverage: This coverage is mandatory in most states and helps to pay for damages or injuries to other people and their property if you are at fault in an accident.
• Collision coverage: This coverage helps to pay for damages to your car if you are in an accident with another vehicle or object.
• Comprehensive coverage: This coverage helps to pay for damages to your car that are not the result of a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection: This coverage helps to pay for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Uninsured/Underinsured motorist coverage: This coverage helps to pay for damages or injuries if you are in an accident with a driver who does not have insurance or has insufficient coverage.

In addition to these standard coverage options, Union Central Insurance also offers optional coverage such as roadside assistance, rental reimbursement, and gap insurance.

Cost of Union Central Insurance

The cost of coverage through Union Central Insurance varies based on several factors, including the type of policy, the coverage amount, and the customer’s individual risk factors. Customers can obtain a quote from the company’s website or by calling their toll-free number to get a more specific estimate of their premium costs.

Here is a breakdown of some of the factors that can affect the cost of coverage through Union Central Insurance:

• Age and health: Younger and healthier customers generally pay lower premiums than older and less healthy customers. This is because they are considered lower risk by the insurance company.
• Type of policy: Different types of policies have different costs associated with them. For example, term life insurance policies are generally less expensive than whole life insurance policies because they provide coverage for a specific period of time.
• Coverage amount: The higher the coverage amount, the higher the premium. Customers should choose a coverage amount that meets their needs without exceeding their budget.
• Risk factors: Customers who have a history of risky behavior, such as frequent speeding tickets or accidents, may have higher premiums than those who have a clean driving record. Similarly, customers who have health conditions that are considered high risk may have higher premiums than those who are healthy.

One way to find out the cost of Union Central Insurance is to get a quote online. The company has an online quote tool that allows customers to enter their information and receive an estimate for their insurance coverage. The quote tool is simple to use, and the process only takes a few minutes to complete.

Union Central Insurance Discounts

Union Central Insurance provides a variety of discounts to its customers to help them save money on their insurance premiums. Here are some of the discounts the company offers:

• Multi-policy discount: Customers who have more than one policy with Union Central Insurance, such as a life insurance policy and a disability insurance policy, may be eligible for a multi-policy discount. This discount can save customers up to 25% on their premiums.
• Safe driver discount: Customers who have a good driving record may be eligible for a safe driver discount. To qualify, customers must have a certain number of years without an accident or traffic violation. This discount can save customers up to 20% on their auto insurance premiums.
• Good student discount: Students who maintain a high GPA may be eligible for a good student discount. This discount can save customers up to 15% on their auto insurance premiums.
• Homeowner discount: Customers who own their home may be eligible for a homeowner discount. This discount can save customers up to 10% on their auto insurance premiums.

The specific discounts available and the requirements for eligibility may vary by state and policy. It’s a good idea to check with Union Central Insurance to see which discounts you may be eligible for and how much you could save on your insurance premiums.

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States Where Union Central Insurance is Offered

Union Central Insurance offers insurance coverage in all states across the United States, except for New York. However, the specific coverage options, rates, and discounts may vary depending on the state.

It’s important to note that the availability of Union Central Insurance coverage may be subject to change. It’s always a good idea to check with the company or an insurance agent to confirm coverage availability in your state.

Customer Reviews of Union Central Insurance

It’s always a good idea to consider customer reviews when evaluating an insurance company. Union Central Insurance has generally positive reviews from customers.

Here are some highlights of customer reviews for Union Central Insurance:

• Many customers praised the company’s customer service and how helpful and knowledgeable its representatives are.
• Some customers appreciated the competitive rates offered by the company and felt that they received good value for their money.
• Several customers mentioned that they had been with the company for many years and were satisfied with their experience.
• Some customers mentioned that they had to file a claim with the company and were happy with how quickly and efficiently the claim was handled.
• A few customers expressed frustration with the company’s website or mobile app, stating that they were difficult to navigate or had technical issues.

Overall, the customer reviews for Union Central Insurance are largely positive. The company has a reputation for providing good customer service and competitive rates.

However, as with any insurance company, individual experiences may vary, so it’s a good idea to do your research and read reviews from multiple sources before making a decision.

In Summary: Union Central Insurance

Union Central Insurance offers insurance coverage in most states across the United States. The company has a long history of providing insurance products and services and is committed to helping its customers protect what matters most.

Union Central Insurance offers a variety of coverage options, including life, car, and annuities, and provides discounts to eligible customers to help them save on their insurance premiums.

Union Central Insurance has generally positive reviews from customers. Many customers appreciate the company’s customer service and how helpful and knowledgeable its representatives are. Others appreciate the competitive rates offered by the company and feel that they receive good value for their money.

While a few customers have experienced issues with the company’s website or mobile app, the majority of reviews are positive. Overall, Union Central Insurance is a reputable insurance provider that offers a range of insurance options and discounts to help customers find affordable coverage.

So, Union Central Insurance is a reputable insurance company that provides quality coverage at affordable rates. The company offers a variety of products and services to suit individual needs and provides discounts to customers. While the company has received mixed reviews from customers, it is worth considering for anyone in need of many different types of insurance.