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Union Fidelity Life Insurance Company

Overall Rating1.31.31.31.31.3
Customer Service1.31.31.31.31.3
Network1.351.351.351.351.35
Plans1.351.351.351.351.35

As a subsidiary of General Electric, Union Fidelity Life Insurance offers both health and life insurance. However, Union Fidelity takes an old fashion approach with its members by doing all work through either phone or in person consultation.

To find your best, individualized health insurance quote, you can enter your zip code and compare these different insurances.

They have no website to pull information from formally, but do have customer services locations and toll free phone numbers. Union Fidelity Life Insurance offers several types of insurance (accident, life, health, and even cancer insurance).

The total assets of Union Fidelity Life Insurance are $18,264,424,652, with a net surplus of $453,407,892 and capital of $2,903,775.

Union Fidelity Life Insurance Company History

The date of organization was in September 1925 on the 2nd. The company was granted licensing in Texas on June 5, 1931 and has centered on accident, life, and health insurance. Their base office is in Fort Washington, Pennsylvania.

The president of Union Fidelity Life Insurance is Michael Duncan Barnett, the secretary is Catherine Mcbride, and the treasurer is Sarah Quirk Baker.

Union Fidelity Life Insurance Company Contact Information

Union Fidelity
500 Virginia Dr
Fort Washington, PA 19304

The company’s phone number is listed as 215-542-4590; however, the best phone number to reach product service representatives is 1-800-523-5758 with a new phone number replacing the old number in November 2011. The new phone number will be 1-800-621-0393.

For those members looking for information on Medicare Supplement Insurance they would need to call 1-877-825-9336. At this time, Union Fidelity is not writing new insurance policies.

Union Fidelity Life Insurance Company Ratings

As of June 28, 2011, A.M. Best has given Union Fidelity a rating of A-, which is termed “Excellent” among insurance companies. As for the company’s financial strength outlook, it was given another positive rating by A.M. Best of “Stable.”

A.M. Best also gave a credit rating for Union Fidelity Life Insurance which was a-. While an “a” represents a “Strong” rating the “-“ can be defined as a possible downgrade due to unfavorable market trends that are relative to the current rating level. However, the credit ratings outlook was given a “Stable” rating.

Ratings for A.M. Best have a range from A++ “Superior” to F “Liquidation.” These reflect the financial strength of a company. Any rating that fits in the range of A++ to B+ is considered either “Secure” or “Stable,” which Union Fidelity Life Insurance does fall under.

However, relying on one rating can be deceiving. According to another rating company, Weiss Ratings, they found Union Fidelity Life to be lacking in financial strength and gave them a rating of D+. Weiss Ratings have a range from high “A+” to the very lowest “U.”

According to the Better Business Bureau, on a scale of A+ to F, Union Fidelity Life received a rating of B. The factors that lowered the rating of Union Fidelity Life Insurance included the following:

  • Not accredited by BBB
  • Not enough sufficient information to determine how long Union Fidelity Life has been operating
  • Not enough sufficient background information on Union Fidelity Life

Some of the factors that raised Union Fidelity Life Insurance’s rating included the following:

  • Amount of complaint volume filed with the BBB for a business of its size
  • Response to three complaints filed against the business
  • Resolution of the complaints filed against the business

Health Insurance Companies

While Union Fidelity Life Insurance Company has an excellent rating by A.M. Best, they are not writing insurance policies at this time. There are several great companies that are offering health insurance. According to U.S. News United Health Group takes the number one spot when it comes to the best health insurance companies in the United States. Some of their benefits are:

  • Health and wellness information
  • Health coverage
  • Medicare plans
  • Prescription drug plans
  • Medicaid plans
  • Retirement (Eldercare) plans
  • AARP Products

With comprehensive plans for health insurance and retirement plans, they make an excellent alternative choice. Their mission centers around their members where they seek to improve performance of the health system.

They also take a key interest in working with health care professionals so members get their services at affordable rates. They also encourage a healthy physician and patient relationship that helps to improve personal health choices and decisions for their members.

To take a closer look at health insurance rates, enter your zip code and compare the different companies to find the best match for your individual needs and goals.

 

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20 reviews

  • jo for gen /
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    This is nothing less than a bizarre business strategy.

    I have been taking care of my mom’s affairs for more than 10 years. She received a Privacy info letter and this is the first time we have EVER heard from them. There is no website, there is no phone number on the letter, and when I tracked down an 800 number and called, the statement was “WE are closed, call during our business hours” Hello!!! How am I to know the business hours?

    This seems like a very uninformed business practice. I am about ready to make a complaint to the Attorney General and Insurance Commission. As a subsidiary of General Electric, it seems that they should be aware that hiding from your customers is not a good business model! oi oi oi

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    If I could give this insurance company a zero, I would.

    They were unable to quote simple Medicare supplement benefits via phone, telling us a supervisor needs to look them up and return our call. After a week of no call, we were left on hold for 40 MINUTES before being told the same thing. We were transferred around, left on hold, and never actually received a callback or were able to speak with anyone who can quote a patient’s benefits – WHEN CALLING A LINE DEDICATED TO BENEFITS! Ridiculous.

    I feel sorry for any elderly person trying to obtain service from this “company”. Thumbs DOWN.

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    Ditto to Jo’s comments. I just tried to call about a policy I didn’t know I had, that is now being handled by DRAISI, a third party administrator for Insurance companies. I received the same message as Jo from the company (tel number 800-621-0393).

    That number, found on a website for Union Fidelity Life Insurance company and nowhere else, does not identify the company or the ‘normal business hours’. I am wondering what the next steps should be.

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    I’ve had this Union Fidelity Life Insurance policy – through AAA auto club membership – for about 15 years. ALL of the reviews printed here are absolutely factual.

    Here’s my experience:
    After 42 minutes on hold (to their 800#), I asked why my bill doesn’t have the usual payment options (monthly, quarterly, etc). Was told by UFLI rep to “pay whatever amount you wish.” Yea, right, and be cancelled!

    When I responded by saying that the bill calls for a due date for the entire amount and that I didn’t want to be considered late, or be cancelled for non-payment, the rep repeated the “pay whatever” line. I then asked her if the company has anything in writing stating the bill could be paid in installments, as before, the rep said, “No, just pay whatever you’d like.” I then asked the rep if she could have the payment policy sent to me; she (reluctantly) stated that she “can send it out to you, but it won’t get to you for at least two weeks.” (AND??) I requested that it be sent anyway.

    A full month-and-a-half later, I get the same exact bill in the mail, same (now old) due date. These people are nobody you want to send your hard-earned money to. RUN!!!!!

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    I have also had no success in contacting this company’s so-called Customer Service Reps. The recent claim by one website that UFLIC is “still very much a company” is disturbing. Why the disclaimer? I am reporting this dodgy outfit to the Insurance Commission.

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    I have been calling this 1-800-621-0393 for almost 3 months now for a check they sent to me after my dad died and I couldn’t cash. When I called them they give me a po box to send check back to and they will re-issue another one.

    I have been calling them and they keep saying that they never received the check and its been 3 months. They cannot locate it and I sent it to the address they gave me.Something is wrong with company when you can’t even speak to no one but customer service and that you can be transferred to a higher person of position because they only email each other.

    I smell fraud. There is something that all of us can do and get this company looked at for bad business practice.

  • Angelika /
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    First of all, it’s 2013, not 1913. Get a website, folks. How can anyone in this day and age do business with a company that doesn’t even have a website?

    Second, my father had a policy with this company. He died 3 years ago and I had no clue he even had the policy until I received a letter of privacy from Union Fidelity. When I called the claims department they told me that because a payment has not been made they’ve been taking funds from the policy itself to keep the policy active. Nice. No phone call, no written notice that would have let me know that a policy existed in the first place.

    Sounds like a scam, and NOT accredited by the BBB.

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    husband’s mother died in early February of this year. insurance company immediately notified. they said the form was going into the mail right away. we’re still waiting, and after repeated calls, I personally feel they have no intention of paying out the measly policy amount.

    I am now contacting the Minnesota attorney general to report this. btw: my online research says they’re a subsidiary of General Electric. I felt like we were talking to someone from the Minnesota tea party. very goody two shoes conversations. omg – is this a joke or what?!

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    Is this company legit? No website in 2013? Third party administration to pay premiums? Plenty of complaints to BBB? Does the State Insurance Commission know about all this nonsense? Watch your money, folks!

  • Sherry Smith /
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    Wow. I learned my mother has a policy too. She is in a nursing home but was able to communicate with me and let me know she has never been able to reach them either. All of us seem to have the exact same experience.

    My question is, has anyone pursued a claim of fraud against them? If so, have you had any results that you can share?
    Last, is there anyone out there in that part of PA that has actually seen their physical location?
    This sounds like the old “boiler room scams” of the 1980s.

    I personally am going to try checking with the PA insurance commission, but it doesn’t sound like people are getting far with their complaints.
    My mom event tried to call the police dept. in their home office town, to file a complaint. However, she’s elderly and doesn’t always speak well, so perhaps the police didn’t take her seriously, or thought she was an Alzheimer’s patient.

    I’ll do what I can and try to post back what I find.

    Thank you to everyone who posted. I wasn’t sure where to go with this when I heard about my mom’s policy.

  • Barbara Durland /
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    I bought a life insurance policy from this insurance company about forty years ago. Paying 59.00 quarterly for the forty years. When my husband died and I filed a claim, I was sent a check for 900.00. I sent the check back, but was told the 10,000 policy was a decreasing life policy.

    I was never told it was a decreasing life policy. This is fraud. Please do not buy insurance from this company.

  • Sharon Higbee /
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    My husband, who gets confused because of a stroke, called their listed number of 800-523-5758 to get a replacement copy of our coverage. I saw that he was becoming stressed at the questions he was being asked. When he asked for our debit card number, I began to question what was happening.

    I took over the call and asked what the representative was asking for. It was a sales call for a $100 valued something that we only had to pay shipping for. I quickly told them that we were not interested but wanted our insurance information. The conversation then became so bizarre that I really can’t believe it happened.

    The rep repeated that it only cost shipping to receive the deal, and I repeated that I was not interested. He kept repeating the offer, so I repeatedly said “No”, “No”, “No”. I asked him to listen to my request for life insurance information and he asked how could he listen to my request when I kept saying “Yes”. Each time I said “No” he said “Is that a Yes?” or similar ridiculous response to contradict what I actually said. It took my brain a while to understand that we had been paying this company for YEARS and that it was not a legitimate life insurance company!!!!!!!!! I hung up very frustrated, to say the least.

    If you Google the phone number, you will see that it lists American Legion and Union Fidelity Life Insurance. I called the number soon after the bizarre conversation. You get a recording and are given the option of pressing “2” if you are over 55 or to stay on the line. First I pressed “2” and got the sales pitch recording. I called again and did not press “2” and waited for a representative. Instead, a recording again asked me to press “2” to see if I qualified for the special offer. When I pressed nothing I was eventually told that I did not qualify for the special offer, then the line went dead.

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    My father received an invoice from “Insurance Administrative Services” Says “Washington National Insurance Company”. Premium $39 for 12 months. I asked what it was for and he said Life Insurance. The bill and amount of premium alerted me to look into this company further.

    Has anyone found anything on this company before I spend time I don’t have to investigate?

    Thanks in advance for any information you can provide.

  • fran stein /
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    There is a website now Direct Response Insurance administration Services in MN.
    IAS takes care of Union Fidelity policies now.

    800-521-0393 is a good number and they changed our policy numbers in 2012. Call to get your updated number.
    Customer Service
    P.O. Box 96
    Minneapolis, MN 55440

    General Tel: 800-354-3547
    Fax: 952-556-8432
    Email: customerservice@insadm.com

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    A very unscrupulous Union Fidelity Life Ins. Co. has pulled the wool over major corporation & non-profit organizations benefits departments. My heart goes out all those duped by this company, as I was.

    I figured backed by GE & sponsored by the Amer. Legion Aux. that this business would be just as admirable. The joke was on us, but whoever has the ability, please call your state Ins. Commission and the BBB to register your formal complaints.

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    So disappointed in Union Fidelity Life Insurance Co. regarding their hospitalization insurance. I have been paying this policy faithfully every 3 months since the 1980’s. Now that I am 94 years old, would like to file a claim…contacted the Mpls., office “Insurance Administrators”.

    The “sweet” little girl told me she would send “A Claim” form out immediately, and since I lived in Minnesota I could expect it in the mail in a couple of days…two weeks later, I just received ONE claim form, and I requested THREE. Her response..I could copy the ONE form she was mailing immediately to me. Never mind, that I have been paying my premium to Union Fidelity well over THIRTY years, never had a claim…customer service extremely poor.

    They are down right CHEAP. I also requested a copy of my policy, that fell right on DEAF ears. In 30+ plus, I have misplaced my copy, the only reference for my account number is on the premium notice I receive every three months. So much for customer service.

    I feel like the many others that have reviewed this company. If there was a “ZERO” star or NEGATIVE star rating, that would be my choice for this company.

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    My father had a life insurance policy that he purchased through the American Legion. It wasn’t a big policy, but it looked as if the policy would cover his final expenses.

    He purchased a $5000. policy. When he died, we found that the policy was actually a $2500 policy; the only time the policy paid the full $5000. was if he died within the first year that the policy was issued. I had never heard of such a thing!

    It is shameful for the American Legion to be associated with such a product.

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    This is not an honorable company.

    We received a “Notice of Premium Due” letter, stating that our premium of $10.21 was due, and we have not signed up with the company. The bill had a certificate policy number on it even.

    We would give the company no stars, but that is not an option. BEWARE!

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    I have had my doubts about this company when I found out that my father was paying $375.31 monthly for a Medicare Supplement. That was pretty much all of his pension. I was amazed that they actually do not pay much on any of the costs after Medicare had paid their part.

    I called and the customer service representative was so rude to me. Right now since my Dad is under Hospice Care I am debating if I will continue to pay this premium.

    What is the purpose, and it’s $375.31? I wish there was something that could be done so that the elderly people who have paid this type of premium could get their money back and to think my Dad has had this insurance since 1988???

    I would not advise anyone to purchase insurance from this company.

  • michael j mahoney /
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    I bought a Cancer Insurance Policy from this company thru Discover Card back in the mid 90\’s, reasoning that it was possible that I would need it in later years.

    One of the benefits of the particular policy offered thru this policy was that if there were no claims on the policy for 10 years, ALL the premiums would be repaid to me, & I would be eligible to continue the policy. Well, I paid the premiums thru monthly deductions from my Discover Card, forgetting the repayment benefit.

    Then out of the blue, an envelope arrives in the mail with a check for over $3000 in it. I had no clue what the check was for. When I called customer service, they explained that it was the premium repayment. I was amazed that 10 years had passed & that I had forgotten the repayment clause.

    Believe me, I am not well off, but time & life caused me to forget that provision. But, true to the terms of the policy, there was the check for the premium repayment. I no longer have a Discover Card; I now pay the premiums with a bi-yearly check to the company.

    I speak to customer service twice a year in regard to the premiums payment, get very good service from them, and have never had a problem in reaching them or dealing with them. I was amazed in reading the problems other customers have with them. that certainly hasn’t been my experience with them.

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