A Midwestern United Health Insurance Company review leads to Midwest United Insurance Services, Inc. This company is a mutual insurance company. Mutual insurance companies contract with several individual insurance carriers and then present those carriers to potential clients. In turn, they share a commission from each sale.
To offer a wide variety of insurance options for individuals and groups, Midwest United Insurance Services has contracted with:
- Blue Cross Blue Shield
- Preferred One
Midwest United Insurance Services, Inc. Individual Products
Midwest United Insurance Services offers:
- Auto insurance
- Recreational vehicle
- Homeowners insurance
- Life insurance
- Health insurance
- Business and commercial insurance
- Farm owners insurance
- Specialty insurance
- Umbrella insurance
Any of these insurance options can be customized to fit the individual needs of the client.
Auto insurance through Midwest United Insurance Services provides the right coverage to meet the legal obligations of the state the client lives in. They have many options available including:
- General liability
- Personal injury protection
- Uninsured motorist
- Collision coverage
- Comprehensive coverage
- Extra coverage for roadside assistance and towing
Recreational vehicle insurance is for coverage on recreational vehicles, boats, and jet skis. Not only is the value of the recreation vehicle covered but the expenses involved if someone is injured on the vehicle are also covered. Homeowners insurance from Midwest United Insurance Services includes detached structures, personal belongings, loss of use, and personal liability for both homeowners and condominium owners. Renters insurance is also available.
There are many different types of life insurance available on the market so Midwest United provides a variety of choices. Life insurance is meant to help take care of those you leave behind by providing for your loss of income, funding education, paying off debt, and paying funeral expenses. Health insurance from Midwest United can be tailored to a family’s needs as well as help cover those who qualify for Medicare.
Midwest United Insurance Services, Inc. Group Products
Midwest United also provides a variety of group insurance products. Group health insurance through Midwest is based upon the median age, health condition, occupational hazard, and location of the group. This sets the premium and other rates while exclusions and riders can be negotiated.
Business and commercial insurance from Midwest United Insurance Services includes:
- Commercial property
- Comprehensive general liability
- Business auto
- Inland marine
- Workers compensation
- Commercial umbrella
- Professional liability
Not all businesses need all of these options, so Midwest agents help to determine what each business needs.
The specialty insurance offered by Midwest is also for group coverage. Some examples of specialty insurance are:
- Vacant building insurance
- Special events insurance
- Professional liability insurance
- Liquor liability
- Umbrella coverage for high-risk businesses and professionals
Farm owners insurance is also a group insurance even though an individual farmer may be purchasing the policy. Farm owners’ policies cover:
- Farm equipment
- Workers compensation
Losing a crop can mean the difference between surviving and shutting down a farm so having the right insurance is important.
Midwest United Insurance Services, Inc. Claims
Midwest United provides claim service through an online claim form or by connecting customers to the toll free number of their insurance carrier. The online form is the fastest, most convenient way to file a claim. It is available 24 hours a day, seven days a week. The form requires your name, e-mail address, phone number, policy number, and a description of the claim.
Once the claim is received online, Midwest will contact the claim filer with any additional questions or information that may be needed. Their goal is to process the claims as quickly as possible in order to get the client back on their feet. Whether auto, home, recreational vehicle, or health insurance, Midwest has a goal of a one-week turnaround time.
For those who choose to file a claim by calling a toll free number, the process may be longer. Each independent carrier has a different system for processing a claim so clients need to refer to their specific carrier’s way of doing things. The most important thing is that the client provides all the necessary information as soon as possible.